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
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Decision Reference DRN9371443
10 Apr 2017 Spreadex Limited Not upheldInvestment and pensionsMr B complained because Spreadex Limited allowed him to open an account even though he’d previously asked it to ban him from re-opening an account.backgroundMr B asked Spreadex to close his account and to “ban [him] from reopening”. Spreadex confirmed to Mr B that t... (2 pages)View decision -
Decision Reference DRN-5694816
6 Oct 2025 Madison CF UK Limited Not upheldConsumer CreditDRN-5694816 The complaint Mr R complains that Madison CF UK Limited trading as 118 118 Money was irresponsible in its lending to him. Mr R wants the interest and charges refunded and all adverse information regarding the loan removed from his credit file. What happened Mr R was provided... (4 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 DRN2858075
9 Feb 2017 MYJAR Limited UpheldBanking and creditMr S complains that MYJAR Limited provided him with short-term loans he couldn’t afford to repay.backgroundBased on what I’ve seen, Mr S took five loans with MYJAR as follows:Agreement DatePrinciple Amount BorrowedNo. of repayments dueMaximum monthly payment including in... (4 pages)View decision -
Decision Reference DRN-5329702
10 Apr 2025 Oodle Financial Services Limited UpheldConsumer CreditDRN-5329702 The complaint Mr R complains that Oodle Financial Services Limited trading as Oodle Car Finance (Oodle) acted irresponsibly by lending to him. What happened In late May 2022 Mr R acquired a car when he entered into a hire purchase agreement with Oodle. The cash price of the ... (4 pages)View decision -
Decision Reference DRN-5795395
17 Dec 2025 PROPEL HOLDINGS (UK) LIMITED Not upheldConsumer CreditDRN-5795395 The complaint Mr F complains that PROPEL HOLDINGS (UK) LIMITED trading as Quidmarket lent to him irresponsibly and when he had a gambling habit. What happened Here is a brief table of the lending. Loan Approved Amount Terms (rounded) Repaid 1 27 November 2020 £350£164 x 3 mo... (2 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 DRN-3257686
17 Jan 2022 Chetwood Financial Limited UpheldConsumer CreditDRN-3257686 The complaint Mr N complains Chetwood Financial Limited trading as LiveLend (LiveLend) acted irresponsibly when it provided a loan facility to him. What happened Mr N says when he applied for a loan with LiveLend in November 2019, he was in financial difficulties and was strugg... (4 pages)View decision -
Decision Reference DRN5961347
4 Oct 2016 PDL Finance Limited UpheldBanking and creditMr S complains about loans given to him by PDL Finance Limited (‘PDL’).backgroundIn summary, Mr S says he was having money troubles at the time he took the loans. And PDL should have realised this and not given him them.This complaint is about four loans as fol... (4 pages)View decision -
Decision Reference DRN-5836571
23 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5836571 The complaint Miss C complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened The background to this complaint and my initial conclusion were set out in a provisional dec... (4 pages)View decision