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
-
Decision Reference DRN-4819491
19 Aug 2024 TSB Bank plc Not upheldConsumer CreditDRN-4819491 The complaint Miss G complains that TSB Bank plc lent to her irresponsibly. Miss G says that TSB should have known from the transactions on her current account and her credit card that she was gambling and so not lent to her. Miss G also complains about a telephone call she ... (8 pages)View decision -
Decision Reference DRN2096736
18 Mar 2019 FCL Consumer Finance Ltd UpheldBanking and creditMr E complains that FCL Consumer Finance Ltd, trading as Smart-Pig.com, (“FCL”), gavehim loans that he couldn’t afford to repay.backgroundMr E took out three payday loans with FCL whilst he was a student. Details of the loans arebelow.Loan numberDate of LoanLoan amo... (6 pages)View decision -
Decision Reference DRN-5500808
24 Jun 2025 Madison CF UK Limited Not upheldConsumer CreditDRN-5500808 The complaint Mr H complains Madison CF UK Limited trading as 118 118 Money provided him with an unaffordable loan. Mr H’s complaint has been brought to our service by a professional representative, however for ease I’ve referred to all submissions as though they are his ow... (4 pages)View decision -
Decision Reference DRN-1945030
10 Jul 2020 PDL Finance Limited UpheldConsumer CreditDRN-1945030 The complaintMiss J complains that PDL Finance Limited (trading as ‘Mr Lender’) acted irresponsibly when lending to her. What happenedBetween July 2018 and March 2019 Mr Lender provided Miss J with four loans. Here’s a table setting out details of those loans:LoanDate Taken Da... (4 pages)View decision -
Decision Reference DRN-5020302
23 Sep 2024 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5020302 Complaint Mr V complains that Oodle Financial Services Limited (trading as “Oodle” Car Finance) unfairly entered into a hire-purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable. Background In January 2019, Oodle provided Mr V... (3 pages)View decision -
Decision Reference DRN0560452
31 Oct 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr D complains CURO TRANSATLANTIC LIMITED, trading as Wage Day Advance (WDA), lent to him irresponsibly.backgroundThe background to this complaint, and my provisional findings on it, can be found in my provisional decision which is attached to and forms a part of this ... (6 pages)View decision -
Decision Reference DRN-3645811
9 Nov 2022 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3645811 The complaint Mr O complains about the alteration of his Basic bank account to a Classic account which he says happened without his consent. Mr O also complains that the initial overdraft he got he never applied for and the subsequent limit increases ought not to have been appr... (9 pages)View decision -
Decision Reference DRN5304622
10 May 2018 V7 Limited UpheldBanking and creditMr B complains that V7 Limited (trading as “Vivus”) irresponsibly gave him payday loans despite him having an extremely poor credit score following many years of borrowing. backgroundMr B was given four payday loans by Vivus. As far as I can see his borrowing history i... (2 pages)View decision -
Decision Reference DRN-4242837
14 Jul 2023 Everyday Lending Limited UpheldConsumer CreditDRN-4242837 The complaint Mr B, through a representative, says Everyday Lending Limited (ELL), trading as Everyday Loans, irresponsibly lent to him. What happened Mr B took out three instalment loans from ELL. A summary of his borrowing follows. loan taken out value, £ term in months month... (3 pages)View decision -
Decision Reference DRN-4590847
29 Mar 2024 Nationwide Building Society UpheldBanking and PaymentsDRN-4590847 The complaint Mr R complained that Nationwide Building Society (“Nationwide”) irresponsibly granted an overdraft in August 2022 that he couldn’t afford to repay. What happened In August 2022, Mr R was granted an overdraft of £2,000 on his current account. Mr R thinks that Natio... (3 pages)View decision
