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 4717 results
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Decision Reference DRN6161442
10 Mar 2020 Avantcredit Of Uk, Llc UpheldBanking and creditComplaintMr C complains that AvantCredit Of UK, LLC (“AvantCredit”) acted irresponsibly by lending him money in March 2016.Background The background to this complaint and my provisional findings are set out in my provisional decision dated 21 February 2020 – a copy of which is attached and... (5 pages)View decision -
Decision Reference DRN-5029893
13 Nov 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5029893 The complaint Miss E complains that Barclays Bank UK PLC did not refund a series of payments she says she does not recognise. What happened Miss E says she downloaded an app to her phone in order to gamble, but later realised it was a scam app that had hacked her phone. As a... (4 pages)View decision -
Decision Reference DRN3309845
16 Feb 2016 Barclays Bank Plc Not upheldBanking and creditMr P complains that Barclays Bank PLC lent to him irresponsibly.backgroundMr P took out a loan with Barclays in July 2014. A few months later, he wanted to increase his overdraft by £1,000. But Barclays wasn’t willing to do this. Instead, it offered him a loan which re... (3 pages)View decision -
Decision Reference DRN-1079340
14 May 2020 PDL Finance Limited UpheldConsumer CreditDRN-1079340 The complaintMiss D complains that PDL Finance Limited (trading as Mr Lender) irresponsibly lent to her.BackgroundMiss D was given five loans by Mr Lender between February 2015 and May 2016. A summary of her borrowing is as follows: LoanDate TakenDate Repaid InstalmentsAmountMa... (3 pages)View decision -
Decision Reference DRN3990193
19 Oct 2016 Ecashwindow Ltd UpheldBanking and creditMr N has complained about short-term loans granted to him by Ecashwindow Ltd. backgroundEcashwindow agreed five short-term loans for Mr N over the period July 2011 to May 2013. Mr N says these loans were unaffordable for him and that Ecashwindow would have known that ... (3 pages)View decision -
Decision Reference DRN-3425293
29 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3425293 The complaint Miss O says NewDay Ltd trading as Marbles Card irresponsibly lent to her. What happened Miss O’s complaint is about a credit card account provided by NewDay. The account was opened in December 2015. Miss O was given an initial credit limit of £450. This limit was ... (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 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-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
