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 5443 results
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Decision Reference DRN6539863
30 Apr 2015 Lloyds Bank PLC Not upheldBanking and creditMrs A complains that Lloyds Bank plc did not alert her at an earlier stage to large withdrawals that her husband was making from her business account.backgroundMrs A held a business account with Lloyds, for which her husband was an authorised signatory. She had recently so... (3 pages)View decision -
Decision Reference DRN-3957365
24 Feb 2023 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-3957365 The complaint Mr M complains that Mitsubishi HC Capital UK Plc, trading as Novuna Personal Finance, irresponsibly lent to him. What happened Mr M took out a 36-month fixed sum loan for £4,000 from Novuna in October 2017. The monthly repayments were £184.56 and the total repayab... (2 pages)View decision -
Decision Reference DRN9017513
22 Jan 2020 Evergreen Finance London Ltd Not upheldBanking and creditMr H says Evergreen Finance London Limited, trading as MoneyBoat.co.uk (MoneyBoat), lent to him irresponsibly. backgroundMr H had five loans with MoneyBoat which are set out below. An adjudicator considered the complaint and didn’t think it should be upheld. Mr H didn’t agree with the adju... (3 pages)View decision -
Decision Reference DRN-5794896
23 Jan 2026 My Finance Club Limited Not upheldConsumer CreditDRN-5794896 The complaint Mr N complains that My Finance Club Limited trading as Ondal irresponsibly lent to him. Mr N says he shouldn’t have been lent the loan as it was unaffordable. What happened Ondal lent Mr N a loan in September 2024, the loan was for £400. The loan has a 60-day ... (2 pages)View decision -
Decision Reference DRN8103105
9 Jan 2018 Lending Stream Llc UpheldBanking and creditMr H complains that Lending Stream LLC gave him unaffordable instalment loans. He wants a refund of his interest and charges.backgroundMr H had ten loans from Lending Stream between January 2015 and May 2016. He said it didn’t carry out proper checks that he could af... (2 pages)View decision -
Decision Reference DRN4107809
15 Feb 2018 NewDay Ltd UpheldBanking and creditMr W complains that it was irresponsible for NewDay Limited to give him a credit card and then to increase his credit limit.backgroundMr W opened a credit card account with NewDay in 2014. Later that year he entered into a debt management plan and NewDay sold his acco... (2 pages)View decision -
Decision Reference DRN-3260583
25 Jan 2022 Bank of Ireland (UK) Plc UpheldBanking and PaymentsDRN-3260583 The complaint Mr O complains that Bank of Ireland (UK) Plc (“BOI”) failed to refund £50,312.07 he paid to scammers posing as a binary options trader. The details of this complaint are well known to both parties, so I will not repeat all the details again here. In summary, Mr O ... (5 pages)View decision -
Decision Reference DRN-2691803
11 Nov 2021 Bamboo Limited UpheldConsumer CreditDRN-2691803 The complaint Mr S complains that Bamboo Limited trading as Bamboo Loans acted irresponsibly when it agreed loans for him. He’s represented in his complaint by a claims management company, but for ease, I’ll refer to Mr S only. What happened Mr S has had three loans with Bamboo... (5 pages)View decision -
Decision Reference DRN6497889
10 Jan 2018 Casheuronet UK LLC UpheldBanking and creditMr B complains that CashEuroNet UK LLC (trading as QuickQuid) gave him loans that he couldn’t afford to repay.backgroundMr B was given nine loans by QuickQuid between May 2013 and March 2017. The first loan was repayable in two monthly instalments. The remaining loans... (5 pages)View decision -
Decision Reference DRN8504350
31 Dec 2018 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr W complains about three short term loans that he took out with Curo TransatlanticLimited, trading as WageDay Advance, (“WDA”). He said that WDA shouldn’t have given himthe loans as they were unaffordable.backgroundMr W took out two instalment loans and one payday l... (5 pages)View decision