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 4630 results
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Decision Reference DRN-2784400
17 Jun 2021 Ferratum UK Ltd Not upheldConsumer CreditDRN-2784400 The complaint Mr G complains that Ferratum UK Ltd was irresponsible in its lending to him. What happened Mr G was provided with one loan by Ferratum in October 2018. The loan was for £200 with just under £250 repayable the following month. Mr G says that at the time of the loan... (3 pages)View decision -
Decision Reference DRN7847765
15 Aug 2018 Active Securities Limited UpheldBanking and creditMr W complains that Active Securities Limited, trading as 247Moneybox.com (“Moneybox”) was irresponsible in that it lent money to him when he applied for loans.backgroundMr W says that prior to borrowing from Moneybox he had no disposable income as he had debts. Moneybox ... (4 pages)View decision -
Decision Reference DRN2372524
15 May 2017 MEM Consumer Finance Limited UpheldBanking and creditMr C has complained about payday loans he took out with MEM Consumer Finance Limited (trading as Payday UK). He says Payday UK didn’t check whether the loans were affordable, and had it done so, it wouldn’t have lent to him. background Mr C borrowed 8 loans from Pa... (4 pages)View decision -
Decision Reference DRN-4011425
13 Mar 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4011425 The complaint Mr H complains that Barclays Bank UK PLC gave him three credit card accounts that were unaffordable. What happened Mr H took out three credit cards between 1999 and 2004. The cards were closed between 2004 and 2014. In 2021, he complained to Barclays that they sho... (3 pages)View decision -
Decision Reference DRN3558684
27 Jun 2017 MEM Consumer Finance Limited UpheldBanking and creditMr M complains that MEM Consumer Finance Limited (trading as Payday UK) were irresponsible to lend money to him.backgroundMr M took out eleven loans with Payday UK between 2012 and 2014. He says that at the time of taking the loans, he was struggling with personal an... (3 pages)View decision -
Decision Reference DRN-3063054
22 Sep 2021 Bamboo Limited UpheldConsumer CreditDRN-3063054 The complaint Mr M complained that Bamboo Limited irresponsibly provided him with unaffordable loans. What happened Bamboo provided Mr M with loans as follows: Date Amount Term Monthly Repayment Loan 1 22/10/2018 £2,000 24 months £138.19 Loan 2 14/05/2019 £635.10 additional fun... (6 pages)View decision -
Decision Reference DRN-4871227
25 Jun 2024 Admiral Financial Services Limited Not upheldConsumer CreditDRN-4871227 The complaint Mr M is complaining that Admiral Financial Services Limited trading as Admiral Money (Admiral) lent to him irresponsibly by providing him with a personal loan. What happened In January 2023, Admiral approved Mr M’s application for a £5,000 loan to consolidate his ... (5 pages)View decision -
Decision Reference DRN-3038486
9 Sep 2021 Oakbrook Finance Limited UpheldConsumer CreditDRN-3038486 The complaint Mr P complained that OAKBROOK FINANCE LIMITED trading as Likely Loans lent to him irresponsibly. What happened Mr P took out a single loan from Likely Loans in November 2019. He borrowed £1,000 and he agreed to pay the loan by making 48 monthly instalments of £29.... (5 pages)View decision -
Decision Reference DRN-4291164
10 Jan 2024 PDL Finance Limited UpheldConsumer CreditDRN-4291164 The complaint Mr S complains that PDL Finance Limited trading as Mr Lender irresponsibly lent to him. He has said had proper checks been carried out the lender would have seen he had a gambling problem and wouldn’t have lent to him. What happened Mr Lender lent Mr S three insta... (3 pages)View decision -
Decision Reference DRN0719803
15 Dec 2015 Capital One (Europe) plc Not upheldBanking and creditMr N complains that Capital One (Europe) plc will not refund payments he says he did not make with his credit card.backgroundThere were 15 payments made to the same merchant during a four hour period on 10 August 2015. These totalled £1,000. Mr N said he had the ... (2 pages)View decision
