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 4648 results
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Decision Reference DRN1991796
23 Aug 2019 PDL Finance Limited UpheldBanking and creditMiss T says PDL Finance Limited (trading as “Mr Lender”) irresponsibly lent to her as it ought to have seen that she had previously had problems managing debt.backgroundThis complaint is about five High-Cost Short-Term Credit instalment loans Mr Lender provided to Miss T between November 2... (3 pages)View decision -
Decision Reference DRN9618176
2 Jun 2017 Apfin Ltd UpheldBanking and creditMr C has complained about short-term loans granted to him by Apfin Ltd trading as cashasap.co.uk (“Apfin” or “the lender”).backgroundThe background to the complaint was set out in my provisional decision dated 3 May 2017, a copy of which is attached and forms part of... (5 pages)View decision -
Decision Reference DRN2645060
16 Jul 2018 Blemain Finance Limited Not upheldBanking and creditMr Y complains that Blemain Finance Limited gave him two secured loans that he couldn’t afford to repay. He’s also unhappy with the actions it’s taken in trying to recover the outstanding amounts.backgroundIn July 2014, Mr Y applied for a secured loan through a broker w... (4 pages)View decision -
Decision Reference DRN-4008274
24 May 2023 Shelby Finance Ltd Not upheldConsumer CreditDRN-4008274 The complaint Mr S complains that Shelby Finance Ltd trading as Dot Dot Loans (Shelby) lent to him irresponsibly. What happened Mr S took three loans. Here is a brief table. Loan Date Taken Date Repaid Term - months Loan amount Monthly repayment Total + int 1 23/02/21 26/02/21 ... (5 pages)View decision -
Decision Reference DRN0076374
16 Sep 2014 IG Index Limited Not upheldInvestment and pensionsMr K complains that IG Index Limited (trading as IG Markets) allowed him to lose a significant amount of money spread-betting and trading contracts for differences (CFDs). He feels that based on his annual earnings he should not have been exposed to the risk of such high losses. In ad... (3 pages)View decision -
Decision Reference DRN3779474
24 Feb 2020 Gain Credit LLC Not upheldBanking and creditMr A says Gain Credit LLC (trading as ‘Lending Stream’) gave him loans that he couldn’t afford.backgroundLending Stream gave Mr A four instalment loans between September 2017 and January 2018. Here’s a table showing the loan details:LoanDateTakenDateRepaidInstalmentsAmountCombined Highest... (4 pages)View decision -
Decision Reference DRN-3463409
5 May 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3463409 The complaint Mr E complains through his representative that Everyday Lending Limited lent him money on a high interest loan which he was unable to afford to repay. What happened Everyday provided Mr E with a loan on 28 January 2019, for £5,500, repayable in 36 monthly instalme... (4 pages)View decision -
Decision Reference DRN4789036
1 Aug 2019 Moneybarn No. 1 Limited Not upheldBanking and creditMr B complains that Moneybarn No.1 Limited (Moneybarn) acted irresponsibly when it lent him money to buy a car, and that now the loan is in default, he’s being asked to repay more than he owes.backgroundMr B entered into a conditional sale agreement with Moneybarn in 2016. He was to pay ab... (3 pages)View decision -
Decision Reference DRN-4330789
3 Nov 2023 National Westminster Bank Plc Not upheldConsumer CreditDRN-4330789 The complaint Mrs D complains that National Westminster Bank Plc (‘NatWest’) irresponsibly gave her a loan that she couldn’t afford. What happened In December 2020, Mrs D applied for a loan with NatWest for the stated purpose of consolidating other debt. She was given a loan of... (3 pages)View decision -
Decision Reference DRN-3340908
28 Feb 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3340908 The complaint Mr S has complained that Lloyds Bank PLC (“Lloyds”) provided an overdraft to him that was unaffordable. What happened Mr S held a current account with Lloyds which had an overdraft attached to it. In May 2017, Lloyds approved an application from Mr S to increase t... (4 pages)View decision
