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-4532193
21 Feb 2024 Chetwood Financial Limited UpheldConsumer CreditDRN-4532193 The complaint Mr W says Chetwood Financial Limited, trading as BetterBorrow, irresponsibly lent to him. What happened Mr W took out a 24-month instalment loan for £2,500 on 24 June 2022. The monthly repayments were £123.92 and the total repayable was £2,974.14. Mr W says he was... (3 pages)View decision -
Decision Reference DRN4326089
28 Feb 2020 PDL Finance Limited UpheldBanking and creditMrs M says PDL Finance Limited, trading as Mr Lender, irresponsibly lent to her.backgroundThis complaint is about four loans Mr Lender provided to Mrs M between May 2014 and October 2015. Mrs M’s borrowing history is as follows: LoanDate taken outLoan TypeDate Repaid Loan amount Highest In... (3 pages)View decision -
Decision Reference DRN7085638
31 Jan 2020 Novaloans Ltd UpheldBanking and creditMr G says Novaloans Ltd (trading as Cash4unow) irresponsibly lent to him.backgroundThis complaint is about 4 instalment loans Cash4unow provided to Mr G between August 2017 and October 2018. Details of the 5 loans are as follows:LoanDate startedDate repaidInstalmentsAmountHighest repaymen... (3 pages)View decision -
Decision Reference DRN9667218
27 Feb 2018 Paysafe Financial Services Limited UpheldBanking and creditMr W has complained Paysafe Financial Services Limited, trading as Neteller, haven’t paid what he believes is owed under a promotional cashback offer. backgroundMr W got an offer from Neteller about an end-of-year promotion. If he made transactions over a certain value, he ... (2 pages)View decision -
Decision Reference DRN-5454192
3 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5454192 The complaint Mr O complains that NewDay Ltd lent irresponsibly when it approved two credit card applications and increased the credit limit on both accounts. What happened The background to this complaint and my initial conclusions were set out in a provisional decision. I... (5 pages)View decision -
Decision Reference DRN-3014255
26 Aug 2021 Oakbrook Finance Limited UpheldConsumer CreditDRN-3014255 The complaint Mr P complains that Oakbrook Finance Limited trading as Likely Loans (Likely Loans) provided lending to him which was unaffordable and irresponsible. He says they should have looked at his financial circumstances in more detail before agreeing to the loans as he c... (3 pages)View decision -
Decision Reference DRN1279648
22 Feb 2019 PDL Finance Limited Not upheldBanking and creditMr P complains that PDL Finance Limited (trading as Mr Lender) gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges and removes information about the loans from his credit file.backgroundMr P took out two instalment loans with Mr ... (2 pages)View decision -
Decision Reference DRN-3652824
17 Aug 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3652824 The complaint Miss H has complained that Madison CF UK Limited trading as 118118 Money lent to her irresponsibly. What happened Miss H borrowed £5,000 from Madison in June 2021. The loan was due to be repaid in 36 monthly instalments of about £226. The total amount repayable wa... (3 pages)View decision -
Decision Reference DRN-3277217
5 Apr 2022 Lendable Ltd Not upheldConsumer CreditDRN-3277217 The complaint Mr N complains that Lendable Ltd lent to him in an irresponsible manner. What happened Mr N was given two loans by Lendable. He first borrowed £1,000 in January 2020 that he agreed to repay in 12 monthly instalments. Mr N repaid that loan earlier than planned, in ... (3 pages)View decision -
Decision Reference DRN9909644
19 Dec 2019 Provident Personal Credit Limited Not upheldBanking and creditComplaintMr C complains that Provident Personal Credit Limited (trading as Satsuma) gave him loans irresponsibly.BackgroundMr C was given four loans by Satsuma, as follows: Loan NoAmountDateTermMonthlyRepaid 1£30015.11.17 3m£1481.3.18 2£3003.1.185m£1061.6.18 3£8803.5.1811m£159 Outstanding ... (4 pages)View decision