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 4726 results
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Decision Reference DRN-4685404
29 May 2024 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-4685404 The complaint Mr L complains that Clydesdale Bank Plc trading as Virgin Money was irresponsible when it offered him credit. What happened Virgin Money opened a credit card account for Mr L in on 6 May 2021 with a credit limit of £9,300. This type of credit was an open-ended or ... (3 pages)View decision -
Decision Reference DRN7203361
17 Aug 2017 Lending Stream Llc Not upheldBanking and creditMr M complains that Lending Stream LLC was irresponsible to lend money to him.backgroundMr M took out 23 instalment loans with Lending Stream between 2014 and 2015. The loans were for between £80 and £750 and were each due to be repaid in six monthly instalments – ... (7 pages)View decision -
Decision Reference DRN7710464
28 Nov 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr W complains that Express Finance (Bromley) Limited (trading as Payday Express) was irresponsible to lend him money as it should have seen the loans were unaffordable to him.backgroundMr W had three loans, and two top-ups, from Payday Express between October 2011 ... (2 pages)View decision -
Decision Reference DRN3284303
28 Sep 2017 SRC Transatlantic Limited UpheldBanking and creditMr K complains about loans taken with SRC Transatlantic Limited (trading as Speedy Cash) which he says shouldn’t have been given to him because the loans weren’t affordable. backgroundA summary of Mr K’s borrowing is as follows; loan numberloan amountreceived date act... (4 pages)View decision -
Decision Reference DRN-4873763
26 Jun 2024 Madison CF UK Limited Not upheldConsumer CreditDRN-4873763 The complaint Mr H is complaining that Madison CF UK Limited trading as 118 118 Money (118) lent to him irresponsibly by providing him with two personal loans. Mr H’s complaint has been brought to us by a representative but for ease I’ve written as if we’ve dealt directly with ... (4 pages)View decision -
Decision Reference DRN-3197956
4 Jan 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3197956 The complaint Mr L complains that NewDay Ltd was irresponsible in its lending to him. He wants the interest and charges on his credit cards refunded and the accounts removed from his credit file. What happened NewDay provided Mr L with two credit cards. He says that at the time... (4 pages)View decision -
Decision Reference DRN-4800963
23 May 2024 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-4800963 The complaint Mrs K has complained that Tesco Personal Finance PLC trading as Tesco Bank (“Tesco”) didn’t ask for evidence of her income and expenditure before it lent to her, and had it done so, Tesco would’ve discovered the loan was unaffordable for her. What happened Mrs K w... (4 pages)View decision -
Decision Reference DRN-3124514
6 Dec 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-3124514 The complaint Mr R complained that Loans 2 Go Limited lent to him irresponsibly and provided him with loans that were unaffordable. What happened Loans 2 Go provided loans to Mr R as follows: Date taken Amount Term Monthly repayment Date repaid 6 August 2019 £500 18 months £114... (5 pages)View decision -
Decision Reference DRN-4541802
25 Jan 2024 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4541802 The complaint Mr M complains Tesco Personal Finance PLC trading as Tesco Bank irresponsibly provided him with unaffordable credit limit increases on his credit card. What happened Mr M was provided with the following credit limits on his credit card with Tesco Bank: Lending dec... (4 pages)View decision -
Decision Reference DRN9709475
31 Jan 2020 Evergreen Finance London Ltd UpheldBanking and creditMr F says Evergreen Finance London Limited, trading as MoneyBoat.co.uk (“MoneyBoat”), irresponsibly lent to him.backgroundThis complaint is about six short-term loans MoneyBoat provided to Mr F between March 2016 and November 2017. Mr F’s borrowing history is as follows (I have rounded the... (3 pages)View decision
