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 5118 results
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Decision Reference DRN-4234962
11 Jul 2023 FUND OURSELVES LIMITED Not upheldConsumer CreditDRN-4234962 The complaint Mr M complains that FUND OURSELVES LIMITED (FOL), lent to him irresponsibly, because Mr M had multiple and recent payday loan application refusals and he says FOL ought to have known that and not lent to him. What happened Mr M took one loan with FOL for £250 repa... (6 pages)View decision -
Decision Reference DRN7376313
9 Sep 2016 Casheuronet UK LLC UpheldBanking and creditMr C complains that Casheuronet UK LLC (trading as Pounds to Pocket and Quick Quid) gave him loans he couldn’t afford to repay. He asks that it writes off the debt, corrects his credit file and pays compensation.backgroundMr C took five loans from Quick Quid from Augu... (2 pages)View decision -
Decision Reference DRN9227648
24 Nov 2017 Barclays Bank Plc Not upheldBanking and creditMr R complains that Barclays Bank Plc was irresponsible in giving him 4 loans at a time when he was a compulsive gambler. He wants the loans and interest written off and his credit file adjusted.backgroundMr R applied to Barclays online and succeeded in getting 4 loan... (2 pages)View decision -
Decision Reference DRN3934732
18 Jun 2019 Ferratum UK Ltd. UpheldBanking and creditMr D complains that Ferratum UK Ltd gave him unaffordable payday loans. He wants a refund of all interest and charges and for the remaining capital balance to be written off.backgroundMr D had six loans from Ferratum taken out between September 2016 and August 2017... (2 pages)View decision -
Decision Reference DRN-2459113
29 Jul 2021 Everyday Lending Limited Not upheldConsumer CreditDRN-2459113 The complaint Mr W complains about Everyday Lending Limited trading as Everyday Loans (ELL) and their decision to approve his application for a high interest loan. What happened On 12 June 2019, Mr W applied for a high interest loan with ELL. This application was approved, and ... (5 pages)View decision -
Decision Reference DRN-5602279
4 Jun 2025 Bank of Scotland Plc UpheldBanking and PaymentsDRN-5602279 The complaint Mr Q complains that Halifax acted irresponsibly when it authorised and increased his overdraft limits without reasonable and proportionate checks being conducted and it failed to spot signs of gambling. This resulted in financial difficulty for Mr Q and impacte... (6 pages)View decision -
Decision Reference DRN-3472726
10 May 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3472726 The complaint Mr S complains about a loan provided to him by Everyday Lending Limited, trading as Everyday Loans, (“ELL”), which he says was unaffordable. Mr S’s complaint has been brought to this service on his behalf by a claims’ management company. But for ease, I shall refe... (6 pages)View decision -
Decision Reference DRN2924646
20 Oct 2017 Provident Personal Credit Limited UpheldBanking and creditMr L complains that Provident Personal Credit Limited lent him money irresponsibly. Mr L is represented by a relative who I’ll call Mr M. background The background to this complaint and my provisional findings are set out in my second provisional decision dated 19 Sep... (6 pages)View decision -
Decision Reference DRN-4162263
2 Jun 2023 Morses Club PLC UpheldConsumer CreditDRN-4162263 The complaint Miss S complains Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted her loans. Miss S also says she made the agent aware of her mental health issues and this wasn’t noted on Morses’ system. What happened Miss S was advan... (6 pages)View decision -
Decision Reference DRN-2843483
7 Jun 2021 TM Advances Limited UpheldConsumer CreditDRN-2843483 The complaint Mr H complained that TM Advances Limited lent to him irresponsibly. What happened Mr H took out loans with TM Advances as follows: Loan Date taken Loan amount Term - months Monthly repayment Date loan settled Total cost over full loan term shown on loan agreement ... (5 pages)View decision
