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 5125 results
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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 -
Decision Reference DRN-4429276
3 Nov 2023 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-4429276 The complaint Mr C complains that Mitsubishi HC Capital UK Plc lent to him irresponsibly. What happened In October 2017, Mr C successfully applied for a loan of £20,000 with Mitsubishi HC Capital UK Plc (“Mitsubishi”). He was required to make 60 monthly payments of £414.47 and ... (3 pages)View decision -
Decision Reference DRN1818428
5 Feb 2016 Lloyds Bank PLC Not upheldBanking and creditThis complaint is about a current account and personal loan held with Lloyds Bank PLC. Mr and Mrs P say Lloyds provided the loan to Mr P irresponsibly, because it searched Mrs P’s credit file (rather than his) and failed to check he could afford it. They say the ... (2 pages)View decision -
Decision Reference DRN6823613
31 Aug 2017 Lending Stream Llc UpheldBanking and creditMrs S has complained about instatement loans she’s taken with Lending Stream LLC (Lending Stream) between May 2012 and June 2014. Mrs S says the loans weren’t affordable so shouldn’t have been given to her. backgroundMrs S had a total of 28 instalment loans. And a sum... (4 pages)View decision -
Decision Reference DRN2997536
7 Dec 2018 Uncle Buck Finance LLP UpheldBanking and creditMr S complains that Uncle Buck Finance LLP, trading as Uncle Buck, ("UBF"), gave himloans that he couldn’t afford to repay. The complaint is brought to this service by a claimsmanagement company but for ease I shall refer below to all actions being taken ... (6 pages)View decision -
Decision Reference DRN2202720
18 Feb 2021 Carcashpoint Limited UpheldBanking and creditComplaint Mr H complains that CarCashPoint Limited (trading as “CarCashPoint”) unfairly provided him with two logbook loans. He says he was offered loans he couldn’t afford. Mr H has since complained that CarCashPoint exercised a lack of forbearance when he ran into difficulties making his... (2 pages)View decision -
Decision Reference DRN5680301
25 Mar 2020 Capital One (Europe) plc Not upheldBanking and creditMr R complains that Capital One (Europe) plc did not close his account when it should have done thereby letting him run up further debt as a result. background In July 2017 Mr R contacted Capital One. He said he told it he had been using his account to spend on gambling to which he was add... (3 pages)View decision -
Decision Reference DRN-2284830
25 Jun 2021 Advancis Limited UpheldConsumer CreditDRN-2284830 The complaint Mr D complains Advancis Limited trading as Buddy Loans irresponsibly lent to him. What happened Mr D was approved for a loan by Buddy Loans in September 2017. The capital amount of the loan was £1,500, with an 18-month term. The monthly repayments were approximate... (3 pages)View decision -
Decision Reference DRN-4274283
15 Aug 2023 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-4274283 The complaint Mr A complains that Mitsubishi HC Capital UK Plc irresponsibly lent to him. What happened In November 2021, Mr A applied and was accepted for a fixed sum loan agreement with Mitsubishi HC Capital UK Plc (“Mitsubishi”). The purpose of the loan was to purchase jewel... (3 pages)View decision -
Decision Reference DRN-4524178
21 Dec 2023 Lendable Ltd Not upheldBanking and PaymentsDRN-4524178 Complaint Mr M has complained about a credit card Lendable Ltd (trading as “Zable”) provided to him. He says the credit card and the subsequent credit limit increases were irresponsibly provided to him as they were unaffordable and provided while he suffered from a gambling add... (3 pages)View decision
