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-4429276
3 Nov 2023 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-4429276 The complaint Mr C complains that Mitsubishi HC Capital UK Plc lent to him irresponsibly. What happened In October 2017, Mr C successfully applied for a loan of £20,000 with Mitsubishi HC Capital UK Plc (“Mitsubishi”). He was required to make 60 monthly payments of £414.47 and ... (3 pages)View decision -
Decision Reference DRN-5765218
13 Jan 2026 Oakbrook Finance Limited Not upheldConsumer CreditDRN-5765218 The complaint Miss V complains that Oakbrook Finance Limited (Oakbrook) irresponsibly provided her with two loans. What happened Oakbrook provided Miss V with two loans, as follows: Date Loan amount Period Monthly repayment November 2021 £2,000 (Loan 1) 24 months £112.15 M... (3 pages)View decision -
Decision Reference DRN-5500808
24 Jun 2025 Madison CF UK Limited Not upheldConsumer CreditDRN-5500808 The complaint Mr H complains Madison CF UK Limited trading as 118 118 Money provided him with an unaffordable loan. Mr H’s complaint has been brought to our service by a professional representative, however for ease I’ve referred to all submissions as though they are his ow... (4 pages)View decision -
Decision Reference DRN-4831102
15 Jul 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4831102 Complaint Mr C complains that Moneybarn No.1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the proper checks weren’t carried out and he was provided with finance that was unaffordable. Background In April 2021, Moneybarn p... (3 pages)View decision -
Decision Reference DRN9879228
30 Jun 2017 Lending Stream Llc UpheldBanking and creditMr R has complained about loans granted to him by Lending Stream LLC. He’s said they were unaffordable for him.backgroundLending Stream says it agreed 22 loans for Mr R during the period October 2011 to June 2016. The following table summarises some of the information ... (5 pages)View decision -
Decision Reference DRN-4646468
30 Jun 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-4646468 The complaint Mrs S complains that TSB Bank plc (“TSB”) caused her financial worries when they allowed numerous fraudulent payments to be taken from her account. What happened Mrs S received a message from her bank about the limit on her account. She realised there was somethin... (2 pages)View decision -
Decision Reference DRN2096736
18 Mar 2019 FCL Consumer Finance Ltd UpheldBanking and creditMr E complains that FCL Consumer Finance Ltd, trading as Smart-Pig.com, (“FCL”), gavehim loans that he couldn’t afford to repay.backgroundMr E took out three payday loans with FCL whilst he was a student. Details of the loans arebelow.Loan numberDate of LoanLoan amo... (6 pages)View decision -
Decision Reference DRN-5171003
18 Mar 2025 Loans 2 Go Limited Not upheldConsumer CreditDRN-5171003 The complaint Mrs M complains that Loans 2 Go Limited trading as Loans 2 Go irresponsibly lent her four personal loans. She also complains that the interest it charged took advantage of her vulnerability. She said she was in financial difficulty when she took out the loans a... (4 pages)View decision -
Decision Reference DRN-4274283
15 Aug 2023 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-4274283 The complaint Mr A complains that Mitsubishi HC Capital UK Plc irresponsibly lent to him. What happened In November 2021, Mr A applied and was accepted for a fixed sum loan agreement with Mitsubishi HC Capital UK Plc (“Mitsubishi”). The purpose of the loan was to purchase jewel... (3 pages)View decision -
Decision Reference DRN-4524178
21 Dec 2023 Lendable Ltd Not upheldBanking and PaymentsDRN-4524178 Complaint Mr M has complained about a credit card Lendable Ltd (trading as “Zable”) provided to him. He says the credit card and the subsequent credit limit increases were irresponsibly provided to him as they were unaffordable and provided while he suffered from a gambling add... (3 pages)View decision