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-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 DRN-4652026
26 Mar 2024 Startline Motor Finance Limited Not upheldConsumer CreditDRN-4652026 Complaint Ms S complains that Startline Motor Finance Limited (“Startline”) unfairly entered into a hire- purchase agreement with her. She’s said the monthly payments to the agreement were not affordable and so she shouldn’t have been accepted for it. Background In January 2022... (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 -
Decision Reference DRN-2856008
20 Aug 2021 TSB Bank plc Not upheldBanking and PaymentsDRN-2856008 The complaint Mr P complains that TSB Bank plc won’t refund payments he didn’t make from his account. What happened Mr P says that his card must have been lost when he was out on 12 March 2020. He had made a balance enquiry and thinks his PIN was seen over his shoulder. He late... (3 pages)View decision -
Decision Reference DRN-3272586
24 Jan 2022 Bamboo Limited UpheldConsumer CreditDRN-3272586 The complaint Mr S complains about two loans from Bamboo Limited, trading as Bamboo Loans, (“Bamboo”), which he says were unaffordable. What happened Mr S was given two loans by Bamboo. Loan 1 was for £5,000 and was taken out in March 2019. Loan 2 was for £5,200 and was taken o... (8 pages)View decision -
Decision Reference DRN-3677618
1 Sep 2022 Evergreen Finance London Limited UpheldConsumer CreditDRN-3677618 The complaint Miss M complains that the loans she had from Evergreen Finance London Limited (trading as Moneyboat) were unaffordable to her. What happened Miss M had three loans from Moneyboat between April 2021 and June 2021 as follows: Loan Date Amount Term Monthly Repayment ... (3 pages)View decision
