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-2004512
15 Jul 2020 Gracombex Ltd UpheldConsumer CreditDRN-2004512 The complaintMr D complains that Gracombex Ltd trading as The Money Platform (“TMP”) lent to him in an irresponsible manner. What happenedI issued a provisional decision on this complaint earlier this month that I summarise below.Mr D was given 27 loans by TMP between July 201... (4 pages)View decision -
Decision Reference DRN-4823949
30 May 2024 Fairscore Ltd UpheldConsumer CreditDRN-4823949 Complaint Mrs B has complained about a loan Fairscore Ltd (trading as “Updraft”) provided to her. She says the loan was unaffordable for her and so shouldn’t have been provided to her in the first place. Background Updraft provided Mrs B with a loan for £1,500.00 in August 2022... (4 pages)View decision -
Decision Reference DRN0859689
7 Jul 2016 Uncle Buck Finance LLP UpheldBanking and creditMr L complains Uncle Buck Finance LLP was irresponsible to lend him money. backgroundThe background to this complaint and my provisional findings are set out in my provisional decision dated 9 May 2016 – a copy of which is attached and forms part of this, my final ... (6 pages)View decision -
Decision Reference DRN-5652770
27 Jun 2025 Evergreen Finance London Limited Not upheldConsumer CreditDRN-5652770 The complaint Mr P complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) provided him with loans that he couldn’t afford to repay. What happened A summary of Mr P’s borrowing can be found below. loan number loan amount agreement date repa... (5 pages)View decision -
Decision Reference DRN-3465759
7 Sep 2022 Morses Club PLC Not upheldConsumer CreditPage 1 of 5The complaint Mr M has two complaints about Morses Club PLC. The first is that Morses lent to him irresponsibly in September 2021. The second is that when he wanted to reborrow 10 weeks later the policy had been changed (in August 2021) to mean he was not able to ask for more cr... (5 pages)View decision -
Decision Reference DRN-2825186
21 May 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2825186 The complaint Mr D is unhappy that Barclays Bank UK PLC approved him for a credit account which he believes was unaffordable for him at that time. What happened In March 2017, Mr D applied for a credit account with Barclays online. His application was approved, and Mr D was acc... (5 pages)View decision -
Decision Reference DRN-3204621
3 Nov 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3204621 The complaint Mrs B complains that Barclays Bank UK PLC trading as Barclaycard irresponsibly lent to her. What happened Mrs B’s credit card account was opened in 1995. An initial credit limit of £750 was approved and was later increased as follows: The credit limit was later re... (5 pages)View decision -
Decision Reference DRN8524833
5 Sep 2017 Cheque Centres Limited UpheldBanking and creditMr B has complained about several loans granted to him by Cheque Centres Limited. He’s said Cheque Centres allowed him to take out loans he couldn’t afford which contributed to him falling into a debt spiral.backgroundCheque Centres says it agreed seven loans for Mr B... (5 pages)View decision -
Decision Reference DRN8112078
2 Nov 2020 Avantcredit Of Uk, Llc UpheldBanking and creditMiss P complains that AvantCredit of UK, LLC lent to her irresponsibly. background Miss P was given a loan of £7,000 by AvantCredit in January 2016. The loan was due to be repaid in 36 monthly instalments of about £313.The total amount to be repaid including interest was just over £11, 293... (4 pages)View decision -
Decision Reference DRN-2051816
13 Apr 2021 Advancis Limited UpheldConsumer CreditDRN-2051816 The complaint Miss O complains Advancis Limited trading as Buddy Loans irresponsibly lent to her. She says she couldn’t afford the loan, and further checks would’ve shown this. Miss O says she has lost out financially as a result. What happened Miss O was approved for the below... (4 pages)View decision
