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 5125 results
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Decision Reference DRN-4760385
3 May 2024 Oakbrook Finance Limited Not upheldConsumer CreditDRN-4760385 Complaint Mr S has complained about a loan Oakbrook Finance Limited (trading as “Finio Loans”) provided to him. He says the loan was unaffordable given his circumstances at the time and so shouldn’t have been provided. Background Finio Loans provided Mr S with a loan for £1,500... (3 pages)View decision -
Decision Reference DRN9532744
5 Sep 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr H has complained about payday loans he took out with Express Finance (Bromley) Limited (trading as Payday Express). He says Payday Express didn’t check whether the loans were affordable, and had it done so, it wouldn’t have lent to him. backgroundA summary of Mr ... (4 pages)View decision -
Decision Reference DRN-2051422
12 Jan 2021 Advancis Limited UpheldConsumer CreditDRN-2051422 The complaint Mr W complains Advancis Limited trading as Buddy Loans irresponsibly lent to him. He says Buddy Loans didn’t complete reasonable and proportionate checks before approving him for a loan. He says had Buddy Loans done this, it would’ve seen the loan was unaffordable... (4 pages)View decision -
Decision Reference DRN-3704621
27 Sep 2022 Lloyds Bank PLC UpheldConsumer CreditDRN-3704621 The complaint Mr R complains through his representative (a relative) that Lloyds Bank PLC lent him monies on two loans he was unable to afford to repay. What happened Lloyds provided Mr R with the following loans: Date Amount Period of loan Monthly instalment* Loan 1 20/7/18 £5... (4 pages)View decision -
Decision Reference DRN-3514795
1 Jun 2022 Bank of Scotland Plc UpheldConsumer CreditDRN-3514795 The complaint Mr C complains that Bank of Scotland plc (trading as Halifax) acted irresponsibly by giving him a loan that he couldn’t afford to repay. What happened On 15 May 2019 Halifax approved Mr C’s application for a £5,000 loan. This was to be repaid in 24 monthly instalm... (4 pages)View decision -
Decision Reference DRN1474135
2 Aug 2017 Everyday Lending Limited Not upheldBanking and creditMrs G complains on behalf of her son Mr G about the total amount repayable on a loan made by Everyday Lending Limited.backgroundMr G took out a loan with Everyday in August 2016. The loan was for £2000 over 30 months and the monthly repayments were £141.90 making ... (3 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-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-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
