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 5478 results
-
Decision Reference DRN5229750
28 Sep 2016 MEM Consumer Finance Limited UpheldBanking and creditMr H complains that MEM Consumer Finance Limited, trading as PaydayUK, (Payday) gave him loans he couldn’t afford to repay. backgroundMr H took out eight loans with Payday between 2010 and 2013 for amounts ranging between £200 and £640. He rolled over each of them, apa... (3 pages)View decision -
Decision Reference DRN-5651739
29 Sep 2025 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5651739 The complaint Mr M complains that Oodle Financial Services Limited trading as Oodle Car Finance (Oodle) Irresponsibly approved finance for him which was unaffordable. What happened In September 2021, Mr M acquired a used car financed through a Hire Purchase Agreement (HPA) w... (4 pages)View decision -
Decision Reference DRN-5075130
6 Nov 2024 Advantage Finance Ltd Not upheldConsumer CreditDRN-5075130 Complaint Mr P complains that Advantage Finance Ltd (“Advantage Finance”) unfairly entered into a hire-purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable given his circumstances at the time and so he shouldn’t have been lent ... (4 pages)View decision -
Decision Reference DRN8704716
28 Mar 2018 DJS (UK) Limited Not upheldBanking and creditMr H complains that DJS (UK) Limited (trading as Piggybank) was irresponsible to lend to him. He wants Piggybank to write off his outstanding debt.backgroundMr H took out two loans with Piggybank in late 2016. One in November 2016 for £300 and the second in Decem... (2 pages)View decision -
Decision Reference DRN-5765703
14 Jan 2026 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5765703 The complaint Mr R complains that HSBC UK Bank Plc unreasonably blocked and closed his account, without telling him. What happened Mr R held a basic bank account with HSBC. But in March 2025 they decided to close his account with immediate effect. They sent a letter explain... (2 pages)View decision -
Decision Reference DRN-5119814
6 Nov 2024 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-5119814 Complaint Mr C complains that Specialist Motor Finance Limited (“SMF”) unfairly entered into a hire- purchase agreement with him. He’s said he shouldn’t have been lent to as the monthly payments were unaffordable for him. Mr C is being represented in his complaint by a Clai... (4 pages)View decision -
Decision Reference DRN6600513
9 Sep 2016 MEM Consumer Finance Limited UpheldBanking and creditMr C complains that MEM Consumer Finance Limited (trading as Payday UK) gave him loans he couldn’t afford to repay. He asks that it writes off the debt, corrects his credit file and pays compensation.backgroundMr C took loans from Payday UK in November 2012 and January... (2 pages)View decision -
Decision Reference DRN8769676
19 Feb 2019 Provident Personal Credit Limited Not upheldBanking and creditMr B complains that Provident Personal Credit Limited (trading as Satsuma Loans) was irresponsible to lend him money.backgroundMr B took out an instalment loan with Satsuma in March 2018. Satsuma expected Mr B to repay the £1,000 loan over 12 months at about £166 each ... (2 pages)View decision -
Decision Reference DRN1801468
28 Feb 2020 Bank of Scotland Plc Not upheldBanking and creditComplaintMr M complains that Bank of Scotland plc lent irresponsibly when it approved a loan for £3,000 in August 2015. BackgroundMr M applied for a loan online with Bank of Scotland on 10 August 2015. In the application, Mr M told Bank of Scotland he earned £1,150 a month and had commitme... (2 pages)View decision -
Decision Reference DRN-5503995
14 Aug 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5503995 The complaint Mr B has complained about a Monzo credit card account, also known as a flex account, that was provided to him by Monzo Bank Limited (“Monzo”). He’s said the card was unaffordable for him and so it should never have been provided in the first place. What happen... (4 pages)View decision