We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 5123 results
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Decision Reference DRN2444191
22 Nov 2016 MEM Consumer Finance Limited UpheldBanking and creditMr S has complained MEM Consumer Finance Limited, trading as Payday UK, didn’t check whether he could afford the loans he took out with them between 2010 and 2012.backgroundIn September 2010 Mr S took out a loan for £300 with Payday UK. Over the next eighteen months... (2 pages)View decision -
Decision Reference DRN-2475321
1 Nov 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2475321 The complaint Mr K complains that Loans2Go Limited irresponsibly lent to him. What happened The details of this complaint are well known to both parties, so I won’t repeat them all again here. In summary Loans2Go lent Mr K one loan in November 2019, the loan was for £1,000 and ... (2 pages)View decision -
Decision Reference DRN-4100660
4 May 2023 MBNA Limited Not upheldBanking and PaymentsDRN-4100660 The complaint Mr N complains that MBNA Limited lent irresponsibly when it approved his credit card application. What happened In September 2019 Mr N applied for a credit card and associated balance transfer with MBNA. In his application Mr N said his income was around £31,000 a... (2 pages)View decision -
Decision Reference DRN-3518542
7 Jun 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3518542 The complaint Mr C says AvantCredit of UK, LLC irresponsibly lent to him. What happened This complaint is about 2 loans AvantCredit provided to Mr C between July and November 2016. Mr C’s borrowing history is as follows: I issued a provisional decision on this complaint in May ... (2 pages)View decision -
Decision Reference DRN-3072468
4 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3072468 The complaint Mr C complains about lending made to him through four separate credit card accounts by NewDay Ltd. What happened Mr C said that NewDay had lent him money through four separate credit card accounts, starting in 2015. He said that none of this lending was affordabl... (7 pages)View decision -
Decision Reference DRN1573651
12 May 2020 Elevate Credit International Limited UpheldBanking and creditComplaintMr K says Elevate Credit International Limited (trading as Sunny) irresponsibly lent to him.BackgroundThis complaint is about 1 running credit facility (RCF) and 33 instalment loans Sunny provided Mr K between November 2014 and July 2018. A summary of Mr K’s borrowing, based on th... (5 pages)View decision -
Decision Reference DRN-4646468
30 Jun 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-4646468 The complaint Mrs S complains that TSB Bank plc (“TSB”) caused her financial worries when they allowed numerous fraudulent payments to be taken from her account. What happened Mrs S received a message from her bank about the limit on her account. She realised there was somethin... (2 pages)View decision -
Decision Reference DRN4326089
28 Feb 2020 PDL Finance Limited UpheldBanking and creditMrs M says PDL Finance Limited, trading as Mr Lender, irresponsibly lent to her.backgroundThis complaint is about four loans Mr Lender provided to Mrs M between May 2014 and October 2015. Mrs M’s borrowing history is as follows: LoanDate taken outLoan TypeDate Repaid Loan amount Highest In... (3 pages)View decision -
Decision Reference DRN-4532193
21 Feb 2024 Chetwood Financial Limited UpheldConsumer CreditDRN-4532193 The complaint Mr W says Chetwood Financial Limited, trading as BetterBorrow, irresponsibly lent to him. What happened Mr W took out a 24-month instalment loan for £2,500 on 24 June 2022. The monthly repayments were £123.92 and the total repayable was £2,974.14. Mr W says he was... (3 pages)View decision -
Decision Reference DRN-2814286
8 Apr 2022 Bamboo Limited UpheldConsumer CreditDRN-2814286 The complaint Mr L complains Bamboo Limited irresponsibly lent to him. Bamboo approved Mr L for two loans; one of which it agreed to refund on. So, this decision just covers the remaining loan in dispute. Mr L is represented by a claims management company, but for ease of refer... (3 pages)View decision
