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 4619 results
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Decision Reference DRN6469112
11 Jan 2018 Lending Stream Llc UpheldBanking and creditMr B complains that Lending Stream LLC wrongly lent him money he couldn’t afford to pay back.backgroundMr B took out five short term loans with Lending Stream between August and October 2013. He said that the business didn’t carry out proper affordability checks and allowe... (3 pages)View decision -
Decision Reference DRN-2930181
1 Jun 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-2930181 The complaint Mr Q complains Everyday Lending Limited trading as Trusttwo irresponsibly approved him for a loan. Mr Q is represented by a claims management company. For ease I’ll refer to all submissions as if they were made directly by him. What happened Trusttwo approved Mr Q... (3 pages)View decision -
Decision Reference DRN-3126456
1 Nov 2021 My Finance Club Limited Not upheldConsumer CreditDRN-3126456 The complaint Mr M complains that My Finance Club Limited didn’t carry out adequate checks before lending to him. He says the loan provided is unaffordable. What happened Mr M was provided with a £400 loan by My Finance Club in April 2021. He says at the time of the loan he had... (2 pages)View decision -
Decision Reference DRN-4310565
19 Oct 2023 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-4310565 The complaint Mr R complains that AvantCredit of UK, LLC trading as AvantCredit irresponsibly lent to him. What happened AvantCredit lent Mr R a loan in April 2016, the loan was for £2,000 with 24 monthly instalments of around £113. The highest monthly instalment was £113.45. T... (2 pages)View decision -
Decision Reference DRN-4446384
19 Dec 2023 Santander UK Plc Not upheldConsumer CreditDRN-4446384 The complaint Mrs F says Santander UK Plc irresponsibly lent to her. What happened Mrs F took out a 48-month loan for £9,400 on 5 February 2019. The monthly repayments were £269.20 and the total repayable was £12,921.60. Mrs F says she was in a debt management plan at the time ... (2 pages)View decision -
Decision Reference DRN-4506345
9 Jan 2024 Lendable Ltd Not upheldBanking and PaymentsDRN-4506345 The complaint Mr J says Lendable Ltd, trading as Zable, irresponsibly lent to him. What happened Mr J applied for a credit card from Lendable on 5 November 2021. He was approved and given an £800 credit limit. Mr J says he had a gambling addiction which has led to financial dif... (2 pages)View decision -
Decision Reference DRN-3514311
6 Jun 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3514311 The complaint Mr W says Everyday Lending Limited (ELL), trading as Everyday Loans, irresponsibly lent to him. What happened This complaint is about a 24-month instalment loan for £1,500 that ELL provided to Mr W on 5 July 2021. The monthly repayments were £156.01 and the total ... (3 pages)View decision -
Decision Reference DRN-1914038
23 Jul 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1914038 The complaintMr J complains that Provident Personal Credit Limited, trading as Satsuma Loans, lent to him in an irresponsible manner. What happenedIn March 2018, Mr J took out a loan of £300 with Satsuma. The loan was repayable over six months and the monthly repayments were a... (3 pages)View decision -
Decision Reference DRN-5036087
8 Oct 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5036087 Complaint Mr M has complained about a credit card that Vanquis Bank Limited (trading as “Vanquis”) provided to him. He says that he shouldn’t have been given the credit card and that it was irresponsibly provided to him. Background In March 2024, Vanquis provided Mr M with... (3 pages)View decision -
Decision Reference DRN0625654
2 Mar 2020 Oakbrook Finance Limited Not upheldBanking and creditMr W says Oakbrook Finance Limited, trading as Likely Loans, shouldn’t have lent him money in 2017.backgroundIn November 2017, Mr W borrowed £2,500 from Likely Loans. He’d repay this amount, with interest, over 12 months. The monthly repayments were £266.24. He repaid the loan early, in Fe... (3 pages)View decision
