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
-
Decision Reference DRN7287230
3 Feb 2021 Loans 2 Go Limited UpheldBanking and creditMr E complains that Loans 2 Go Limited irresponsibly lent to him. background From the information provided, Mr E took out two loans with Loans 2 Go. The first loan was taken in January 2018 for £250. The loan was due to run for 18 months with monthly instalments of £56.64. I understand tha... (3 pages)View decision -
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 DRN3504806
27 Oct 2017 Amigo Loans Ltd Not upheldBanking and creditMiss P complains that Amigo Loans Ltd mis-sold her eight loans she could not afford, and then refused to agree a repayment plan with her once she told it she could not afford to make the contractual repayments.backgroundMiss P took out eight loans with Amigo Loan... (3 pages)View decision -
Decision Reference DRN-3745461
10 Oct 2022 The Car Finance Company (2007) Ltd UpheldConsumer CreditDRN-3745461 The complaint Miss C complains that The Car Finance Company (2007) Ltd irresponsibly granted her a hire purchase agreement she couldn’t afford to repay. What happened In February 2017, Miss C acquired a used car financed by a hire purchase agreement from TCFC. Miss C was requir... (4 pages)View decision -
Decision Reference DRN-5155438
5 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5155438 The complaint Mr H complains that Vanquis Bank Limited was irresponsible in its lending to him. He wants all interest, fees and charges refunded plus statutory interest and any adverse information removed from his credit file. Mr H is represented by a third party but for eas... (3 pages)View decision -
Decision Reference DRN3018625
13 Mar 2018 Gain Credit LLC UpheldBanking and creditMr B complains that Gain Credit LLC (trading as Lending Stream) lent him money he couldn’t afford to repay.backgroundMr B took out seven instalment loans between October 2015 and August 2017. He says Lending Stream shouldn’t have agreed to lend as he was carrying ... (4 pages)View decision -
Decision Reference DRN-4441283
18 Dec 2023 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4441283 The complaint Mr W complains that Lloyds Bank Plc refuses to refund money he lost to an investment scam. What happened From December 2021 to February 2023, Mr W made debit card payments totalling £13,748.03 to a cryptocurrency exchange account I’ll call ‘B’ (this was an account... (4 pages)View decision -
Decision Reference DRN-2749624
14 Apr 2021 Progressive Money Limited UpheldConsumer CreditDRN-2749624 The complaint Miss G says Progressive Money Limited (PML) lent irresponsibly to her. What happened Miss G borrowed £6,000 from PML on 31 March 2016. She repaid the loan in April 2018. The monthly repayment was £327.71 and the total repayable was £11,797.60. Miss G says the loan... (4 pages)View decision
