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 DRN-2614184
19 Apr 2021 Gain Credit LLC Not upheldConsumer CreditDRN-2614184 The complaint Mr R complains that Gain Credit LLC trading as Lending Stream was irresponsible in its lending to him. What happened Mr R took out two loans with Lending Stream – one in March 2013 and one in May 2013. Loan Date Repaid Amount 1 15/03/2013 18/05/2013 £350.00 2 18/0... (4 pages)View decision -
Decision Reference DRN-4078994
12 May 2023 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4078994 The complaint In summary, Mr F complains that HSBC UK Bank PLC (trading as First Direct), provided him with a credit card that he wasn’t able to afford. I will refer to HSBC throughout the decision. What happened In November 2019, Mr F applied for a credit card with HSBC. The a... (4 pages)View decision -
Decision Reference DRN2681796
21 Nov 2017 Uncle Buck Finance LLP UpheldBanking and creditMrs A complains Uncle Buck Finance LLP (“UBF”) provided her with loans she couldn’t afford to repay.backgroundThe background to this complaint, and my initial two sets of findings on it, can be found in the attached provisional decisions which form a part of and shou... (9 pages)View decision -
Decision Reference DRN7376313
9 Sep 2016 Casheuronet UK LLC UpheldBanking and creditMr C complains that Casheuronet UK LLC (trading as Pounds to Pocket and Quick Quid) gave him loans he couldn’t afford to repay. He asks that it writes off the debt, corrects his credit file and pays compensation.backgroundMr C took five loans from Quick Quid from Augu... (2 pages)View decision -
Decision Reference DRN-3352072
26 May 2022 Everyday Loans Limited Not upheldConsumer CreditDRN-3352072 The complaint Mr B is unhappy that Everyday Loans Limited agreed to a loan he’d applied for as he said it was unaffordable for him. What happened In June 2019, Mr B took out a £5,100 loan with Everyday, to be repaid over 24 months with repayments of £336.45 a month. Mr B said t... (4 pages)View decision -
Decision Reference DRN-1436165
7 May 2020 Elevate Credit International Limited UpheldConsumer CreditDRN-1436165 The complaintMr B says Elevate Credit International Limited, trading as Sunny (“Sunny”), irresponsibly lent to him. Mr B has told us he had a gambling problem which caused him to get into a cycle of debt. What happenedThis complaint is about ten short-term loans Sunny provided ... (4 pages)View decision -
Decision Reference DRN-3817685
23 Jun 2023 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-3817685 The complaint Mr M complains that Monzo Bank Ltd won’t refund money he lost as a result of a scam. What happened Mr M says he regularly receives text messages advertising loans and prize draws. He decided to follow a link contained within one of those messages – which claimed h... (3 pages)View decision -
Decision Reference DRN-2210209
9 Jul 2021 Advancis Limited UpheldConsumer CreditDRN-2210209 The complaint Mr G complained that Advancis Limited trading as Buddy Loans acted irresponsibly when it accepted him as guarantor for a loan. What happened In December 2018, Mr G entered into a guarantee and indemnity agreement in respect of a loan for £8,000 that Buddy Loans pr... (4 pages)View decision -
Decision Reference DRN-2981100
31 Aug 2021 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-2981100 The complaint Mr M said that Capital One (Europe) plc trading as Capital One lent him money through two credit card accounts, which he said he couldn’t afford to pay back. But when he complained, it only refunded the interest he paid on one. He wanted the other card refunded to... (3 pages)View decision -
Decision Reference DRN-4469458
18 Mar 2024 Equifinance Limited UpheldMortgagesDRN-4469458 The complaint Miss C and Mr T complain that Equifinance Limited irresponsibly lent them a second charge mortgage (secured loan) which was unaffordable for them. What happened Miss C and Mr T took out a secured loan with Equifinance in 2017. They borrowed £20,000 plus around £3,... (3 pages)View decision