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 DRN9734129
19 Oct 2018 Madison CF UK Limited Not upheldBanking and creditMr W is unhappy with Madison CF UK Limited’s (118 Money) decision to lend him money.backgroundMr W had two loans with 118 Money; The first £2,700 on 18 February 2016 which was repaid in full on 9 May 2016; The second £3,500 on 8 June 2016 which was repaid in fu... (3 pages)View decision -
Decision Reference DRN-5480988
16 May 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5480988 The complaint Mr M complains that Clydesdale Bank Plc, trading as Virgin Money, lent to him irresponsibly. Mr M is supported in bringing this complaint by a representative. But, for ease, I’ll refer to Mr M throughout. What happened Virgin Money provided Mr M with a credit... (3 pages)View decision -
Decision Reference DRN-5660641
15 Jan 2026 Western Circle Ltd Not upheldConsumer CreditDRN-5660641 The complaint Mr M complains that Western Circle Ltd trading as “Cashfloat” lent to him irresponsibly. What happened Cashfloat provided three instalment loans to Mr M, as follows: Loan number Loan amount Highest monthly repayment Instalments Date taken Date repaid 1 £900£2... (3 pages)View decision -
Decision Reference DRN-5956501
17 Nov 2025 Brent Shrine Credit Union Limited Not upheldConsumer CreditDRN-5956501 The complaint Mr N is complaining that Brent Shrine Credit Union Limited trading as My Community Bank (MCB) lent to him irresponsibly by providing him with a personal loan. What happened In April 2023, Mr N applied for a loan with MCB. They approved his application and lent ... (4 pages)View decision -
Decision Reference DRN-5618099
22 Oct 2025 Madison CF UK Limited Not upheldConsumer CreditDRN-5618099 The complaint Miss M complains that Madison CF UK Limited trading as 118 118 Money was irresponsible in its lending to her. She wants all interest and charges refunded along with statutory interest and any adverse information removed from her credit file. What happened Miss ... (4 pages)View decision -
Decision Reference DRN-2724203
29 Mar 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2724203 The complaint Miss R says Loans 2 Go Limited lent irresponsibly to her. What happened Miss R took out three loans from Loans 2 Go, as set out below. *£250 received by Miss R, the balance settled loan 2 Loan 1 was a logbook loan, so it was given on the basis that Miss R provided... (4 pages)View decision -
Decision Reference DRN-2651234
15 Jul 2021 Advanced Payment Solutions Limited UpheldBanking and PaymentsDRN-2651234 The complaint Miss A complains that Advanced Payment Solutions, trading as Cashplus, restricted access to her account and funds. And didn’t communicate with her during the review period. She’d like compensation for the impact. What happened Miss A had an account with Cashplus. ... (2 pages)View decision -
Decision Reference DRN2531281
10 Oct 2017 Barclays Bank Plc Not upheldBanking and creditMiss V complains that Barclays Bank Plc wrongly debited her account twice, causing her to become significantly overdrawn. She also says the bank made mistakes implementing an agreed repayment plan. She has been caused anxiety and seeks compensation.background In Januar... (2 pages)View decision -
Decision Reference DRN4498402
21 Apr 2017 MEM Consumer Finance Limited UpheldBanking and creditMiss H complains that MEM Consumer Finance Limited (trading as Payday UK) gave her unaffordable payday loans. She wants a refund of the interest she paid.backgroundMiss H had four loans from Payday UK between October 2013 and May 2014. She said she couldn’t afford to ... (2 pages)View decision -
Decision Reference DRN-5745963
28 Nov 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5745963 The complaint Miss B has complained about some of the compensation that Lloyds Bank PLC (‘Lloyds’) has awarded her in relation to an overdraft and a refinance loan. What happened Miss B was given an overdraft increase in April 2019. She also later took out a refinance loan ... (2 pages)View decision