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 DRN-5223099
7 Jan 2025 Oakbrook Finance Limited Not upheldConsumer CreditDRN-5223099 Complaint Mr P 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 P with a loan for £1... (3 pages)View decision -
Decision Reference DRN-4519988
5 Jan 2024 Advantage Finance Ltd Not upheldConsumer CreditDRN-4519988 Complaint Mr G complains that Advantage Finance Ltd (“Advantage Finance”) unfairly entered into a hire-purchase agreement with him. He’s said he was the monthly payments for the agreement weren’t affordable and so he shouldn’t have been accepted for it. Background In June 2021,... (3 pages)View decision -
Decision Reference DRN-4378936
5 Oct 2023 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4378936 The complaint Miss O complains that Tesco Personal Finance PLC, trading as Tesco Bank, irresponsibly increased her credit limit on a credit card she held with it. What happened Tesco provided Miss O with a credit card in September 2019 for £1,300. In April 2020, the credit limi... (5 pages)View decision -
Decision Reference DRN-3216236
17 Feb 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3216236 The complaint Mr P complained that Madison CF UK Limited trading as 118 118 Money lent to him irresponsibly and provided him with an unaffordable loan. What happened Mr P was given a loan by 118 118 Money as follows: Loan start date Loan amount Monthly repayment Total amount re... (3 pages)View decision -
Decision Reference DRN-3447520
6 May 2022 My Finance Club Limited Not upheldConsumer CreditDRN-3447520 The complaint Miss D complains that My Finance Club Limited was irresponsible to lend to her. What happened Miss D had two loans from My Finance Club between April 2021 and December 2021 as follows: Loan Date Amount Term Scheduled Repayment Due Repaid 1 11 Apr 2021 £400 38d £52... (4 pages)View decision -
Decision Reference DRN3474340
26 Mar 2019 PDL Finance Limited UpheldBanking and creditMr S complains that PDL Finance Limited (trading as Mr Lender) gave him loans that he couldn’t afford.backgroundMr S took out a total of five loans with Mr Lender between January 2014 and July 2016.LoanDateAmountDate repaidNo. of instalments106.01.14£30027.01.141201.02.14£... (3 pages)View decision -
Decision Reference DRN8803410
21 Nov 2017 Lending Stream Llc UpheldBanking and creditMr W complains that Lending Stream LLC gave him loans that he couldn’t afford to repay.backgroundMr W was given eight loans by Lending Stream between August 2016 and November 2016. Each of the loans was repayable in six monthly instalments, but Mr W usually repaid t... (3 pages)View decision -
Decision Reference DRN3123047
11 Nov 2020 Avantcredit Of Uk, Llc UpheldBanking and creditMr C has complained that AvantCredit of UK LLC lent to him irresponsibly. background Mr C was given a loan by AvantCredit in January 2014 for £1,700. The loan was due to be repaid in 18 monthly instalments of around £181. I understand the loan has been repaid. One of our adjudicators has l... (3 pages)View decision -
Decision Reference DRN5074836
4 May 2017 Instant Cash Loans Limited UpheldBanking and creditMiss C has complained that Instant Cash Loans Limited (trading as Payday UK) shouldn’t have given her three loans, as she couldn’t afford to repay them. backgroundLoan one was taken out in November 2015 for £110. This was a payday loan and the principal plus interest ... (3 pages)View decision -
Decision Reference DRN-4075695
8 Sep 2023 National Westminster Bank Plc Not upheldConsumer CreditDRN-4075695 The complaint Mr H complains that National Westminster Bank Plc lent to him irresponsibly. What happened Mr H successfully applied for two loans with National Westminster Bank Plc (“Natwest”) in 2016. The first loan was for £8,000 and was taken out in May 2016 with monthly repa... (3 pages)View decision
