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 DRN-4610343
28 Mar 2024 Valour Finance Limited UpheldConsumer CreditDRN-4610343 The complaint Mr O complains Valour Finance Limited trading as Savvy.co.uk (“Valour”) provided him with a loan without carrying out appropriate affordability checks. Mr O also says that interest was added to the outstanding balance even thought he had told Valour about his diff... (7 pages)View decision -
Decision Reference DRN6618182
1 Aug 2017 Creation Financial Services Limited Not upheldBanking and creditMr D complains that Creation Financial Services Limited made mistakes in dealing with payments from his account, provided poor customer service and wrongly applied charges.backgroundThe adjudicator did not recommend that CFSL do any more than it had already offered to. S... (3 pages)View decision -
Decision Reference DRN4943067
11 Jan 2018 Lending Stream Llc UpheldBanking and creditMr A complains that Lending Stream LLC wrongly lent him money he couldn’t afford to pay back.backgroundMr A took out four instalment loans with Lending Stream between October and November 2013. He said that the business didn’t carry out proper affordability checks and allo... (3 pages)View decision -
Decision Reference DRN-5763211
19 Jan 2026 PROPEL HOLDINGS (UK) LIMITED Not upheldConsumer CreditDRN-5763211 The complaint Miss M complains that PROPEL HOLDINGS (UK) LIMITED trading as Quidmarket (Quidmarket) gave her a loan without carrying out sufficient affordability checks. Had better checks been made Quidmarket would’ve seen she was already over indebted and she was gambling. ... (3 pages)View decision -
Decision Reference DRN-4688114
18 Mar 2024 Lloyds Bank PLC UpheldConsumer CreditDRN-4688114 The complaint Mr I complains that Lloyds Bank PLC irresponsibly lent to him. What happened I issued a provisional decision where I set out a detailed background to this complaint, so I won’t repeat the background here. My provisional decision forms part of this final decision a... (3 pages)View decision -
Decision Reference DRN4011395
4 May 2018 Casheuronet UK LLC UpheldBanking and creditMr W complains CashEuroNet UK LLC, trading as QuickQuid, gave him loans he couldn’t afford to repay.backgroundOur adjudicator recommended the complaint be upheld in part. QuickQuid disagreed and so the case was passed to me for a decision.I issued a provisional deci... (7 pages)View decision -
Decision Reference DRN-4111195
10 May 2023 Oplo PL Ltd Not upheldConsumer CreditDRN-4111195 The complaint Mr L complains that Oplo PL Ltd lent him a loan he couldn’t afford. What happened The background to this complaint is well known to both parties so I won’t repeat them here. Our adjudicator didn’t uphold Mr L’s complaint as he thought Oplo had done enough before l... (2 pages)View decision -
Decision Reference DRN8299918
24 May 2018 MYJAR Limited Not upheldBanking and creditMr H complains that MYJAR Limited (MYJAR) gave him a loan he couldn’t afford to repay.backgroundMr H had one loan from MYJAR in November 2017. It was for £500 and due to be repaid in three instalments, the highest of which was about £268. Mr H told MYJAR he was havin... (2 pages)View decision -
Decision Reference DRN-5931200
6 Nov 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY UpheldConsumer CreditDRN-5931200 The complaint Mr C says National Westminster Bank Plc (‘NatWest’), irresponsibly lent to him. He says that it didn’t take reasonable steps to ensure he could afford the repayments towards three personal loans. And it has lent to him whilst knowing he had other debt. He says ... (5 pages)View decision -
Decision Reference DRN2569377
24 Jul 2017 UK Credit Limited Not upheldBanking and creditMr M complains that UK Credit Limited shouldn’t have granted him a loan as it was unaffordable. He’s also unhappy about the amount he’s been repaying on the loan and the amount of interest.backgroundMr M took out a loan with UK Credit in December 2012 for £3500. The... (2 pages)View decision