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 5125 results
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Decision Reference DRN-1079340
14 May 2020 PDL Finance Limited UpheldConsumer CreditDRN-1079340 The complaintMiss D complains that PDL Finance Limited (trading as Mr Lender) irresponsibly lent to her.BackgroundMiss D was given five loans by Mr Lender between February 2015 and May 2016. A summary of her borrowing is as follows: LoanDate TakenDate Repaid InstalmentsAmountMa... (3 pages)View decision -
Decision Reference DRN8051586
24 Jan 2019 Casheuronet UK LLC UpheldBanking and creditMs A says CashEuroNet UK LLC, trading as QuickQuid, lent to her irresponsibly.backgroundI sent both parties my provisional decision on this complaint on 9 January 2019. A copy of it is attached and it forms part of this final decision. The full background to the... (7 pages)View decision -
Decision Reference DRN-5375595
10 Mar 2025 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-5375595 Complaint Miss M complains that Startline Motor Finance Limited (“SMF”) unfairly entered into a hire- purchase agreement with her. She has said that the proper checks weren’t carried out which led to her being provided with finance that was unaffordable and the stress of ha... (5 pages)View decision -
Decision Reference DRN9709475
31 Jan 2020 Evergreen Finance London Ltd UpheldBanking and creditMr F says Evergreen Finance London Limited, trading as MoneyBoat.co.uk (“MoneyBoat”), irresponsibly lent to him.backgroundThis complaint is about six short-term loans MoneyBoat provided to Mr F between March 2016 and November 2017. Mr F’s borrowing history is as follows (I have rounded the... (3 pages)View decision -
Decision Reference DRN-3447382
26 Apr 2022 Bank of Scotland Plc UpheldConsumer CreditDRN-3447382 The complaint Miss M complains that Bank of Scotland plc trading as Halifax gave her a loan that she couldn’t afford, without carrying out proper checks. What happened In April 2018, Miss M took out a loan with Halifax for £6,000 over four years with an interest rate of 28.7% A... (3 pages)View decision -
Decision Reference DRN-3550228
22 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3550228 The complaint Mr M complains that NewDay Ltd trading as Marbles Card irresponsibly provided him with a credit card for which he was unable to afford the repayments. What happened Mr M applied for a credit card with NewDay in December 2019. It accepted it and provided him with a... (3 pages)View decision -
Decision Reference DRN5768333
6 Dec 2019 Provident Personal Credit Limited UpheldBanking and creditComplaintMr K complains that Provident Personal Credit Limited (trading as Satsuma Loans) lent money to him that he couldn’t afford to repay.BackgroundBased on the information, Satsuma Loans provided Mr K with three instalment loans between March and September 2018. LoanDateRepaidInstalmen... (3 pages)View decision -
Decision Reference DRN-2870528
19 Apr 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2870528 The complaint Ms B has complained that Vanquis Bank Limited acted irresponsibly when it provided her with a credit card in February 2018. Background Ms B applied for, and was given, a credit card from Vanquis in February 2018. She has told us that at this time she was gambling ... (2 pages)View decision -
Decision Reference DRN-2495797
23 Feb 2021 Avantcredit Of Uk, Llc Not upheldConsumer CreditDRN-2495797 Complaint Mr H has complained about loans AvantCredit of UK, LLC (trading as “Avant Credit”) provided to him. He says he had a gambling addiction and had no way of paying his loan back. Background Avant Credit provided Mr H with a loan of £1,400.00 in April 2016. This loan was ... (3 pages)View decision -
Decision Reference DRN0088763
19 Nov 2019 IG Markets Limited Not upheldInvestment and pensionsMr J is complaining that IG Markets Limited (“IG”) closed a number of positions on his spread betting account at incorrect prices on 17 April 2018. Mr J has also complained that he had previously closed his account in November 2016 and it shouldn’t have been reactivated in January 2018. He... (2 pages)View decision
