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-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 -
Decision Reference DRN9412016
20 Aug 2019 Evolution Lending Limited Not upheldBanking and creditThis complaint is about a secured loan of £5,000 Mr C took out in 2013 with Evolution Lending Limited. Mr C says Evolution failed to do adequate checks into his financial circumstances, and had it been more thorough, it would have rejected his application. He’d like to be put in the positi... (4 pages)View decision -
Decision Reference DRN6334859
18 Dec 2017 Casheuronet UK LLC Not upheldBanking and creditMr B complains that CashEuroNet UK LLC (trading as Pounds to Pocket) gave him a loan that he couldn’t afford.backgroundMr B took out a loan for £700 with Pounds to Pocket in November 2012. The loan was due to be repaid by 12 monthly instalments of £102.35 each.Mr B sa... (3 pages)View decision -
Decision Reference DRN8585684
6 Oct 2017 MEM Consumer Finance Limited UpheldBanking and creditMs C has complained about several loans granted to her by MEM Consumer Finance Limited trading as Payday UK (“Payday UK”). She’s said the loans were unaffordable for her.backgroundI issued my provisional decision in September 2017, a copy of which is attached and form... (4 pages)View decision -
Decision Reference DRN-4528375
13 Feb 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4528375 The complaint Mr N has complained that Santander UK Plc acted irresponsibly by providing, and increasing the limit on, an overdraft. He complains that Santander acted unfairly by continuing to apply charges to his account when he was in financial difficulty. Mr N is represented... (3 pages)View decision -
Decision Reference DRN4269966
23 Sep 2020 Loans 2 Go Limited Not upheldBanking and creditMr M complains about a loan Loans 2 Go Limited lent to him. Mr M says he was vulnerable at the time and couldn’t afford the loan. backgroundMr M took out a loan with Loans 2 Go in February 2016. The loan was for £500 secured against Mr M’s car. The loan was due to be repaid over 12 monthly... (2 pages)View decision -
Decision Reference DRN-1579821
27 Aug 2020 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-1579821The complaintMr F has complained Barclays Bank UK PLC didn’t block a payment which he didn’t authorise. What happenedIn December 2019 a loan company Mr F had an agreement with debited him £724.88 using a continuous authority set up on his debit card. Mr F complained to Barclays ... (3 pages)View decision -
Decision Reference DRN-4760385
3 May 2024 Oakbrook Finance Limited Not upheldConsumer CreditDRN-4760385 Complaint Mr S has complained about a loan Oakbrook Finance Limited (trading as “Finio Loans”) provided to him. He says the loan was unaffordable given his circumstances at the time and so shouldn’t have been provided. Background Finio Loans provided Mr S with a loan for £1,500... (3 pages)View decision