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 DRN2164980
26 Jun 2018 Active Securities Limited UpheldBanking and creditMr D says Active Securities Limited, trading as 247 Moneybox, lent to him irresponsibly. He says 247 Moneybox didn’t carry out the right affordability checks and lent to him when he was also borrowing from various other lenders.backgroundI issued a provisional decision o... (6 pages)View decision -
Decision Reference DRN-2755659
21 Jun 2021 PDL Finance Limited UpheldConsumer CreditDRN-2755659 The complaint Mr B says PDL Finance Limited trading as Mr Lender lent to him irresponsibly. He says that he needed to borrow again from Mr Lender, and other payday lenders, to repay the loans. He thinks Mr Lender should’ve found out about this and not lent to him. What happene... (5 pages)View decision -
Decision Reference DRN7879591
15 Nov 2019 Avantcredit Of Uk, Llc Not upheldBanking and creditMr L complains that AvantCredit of UK, LLC gave him a loan he couldn’t afford.backgroundIn 2016 Mr L got a fixed sum loan for £3,000 with AvantCredit. It was repayable over 35 months. Mr L’s monthly repayments were £133.52.Mr L says he couldn’t afford the loan, so AvantCredit shouldn’t hav... (2 pages)View decision -
Decision Reference DRN5184641
19 Mar 2018 UK Credit Limited Not upheldBanking and creditMr S has complained UK Credit Ltd trading as UK Credit, lent him money irresponsibly.backgroundIn 2013 Mr S took out a loan to repay some existing debts. Miss S guaranteed his debt.He complained that UKC was irresponsible in lending to him. He says he had existing ... (2 pages)View decision -
Decision Reference DRN0861823
24 Apr 2019 Bank of Scotland Plc UpheldBanking and creditMiss K complains that Bank of Scotland plc (BoS) gave her incorrect information about payments made to her account.backgroundThe investigator has set out the facts in some detail in her opinion and I trust both parties will understand there is no need to rehearse th... (2 pages)View decision -
Decision Reference DRN-4146707
5 Jun 2023 HSBC UK Bank Plc Not upheldConsumer CreditDRN-4146707 The complaint Mr B complains that HSBC UK Bank Plc lent to him irresponsibly. What happened In December 2019 Mr B applied for a loan with HSBC. HSBC approved the application and gave Mr B a loan for £13,500 repayable over a term of 60 months with monthly repayments of £274.58. ... (2 pages)View decision -
Decision Reference DRN-3521004
22 Jun 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3521004 The complaint Miss R complains that National Westminster Bank Plc (“NatWest”) allowed her account to become overdrawn and says that as her balance showed she was in credit she spent money she didn’t have. What happened Miss R held a bank account with NatWest there was no arrang... (2 pages)View decision -
Decision Reference DRN-5900727
4 Feb 2026 Western Circle Ltd Not upheldConsumer CreditDRN-5900727 The complaint Western Circle Ltd trading as Cashfloat (‘Cashfloat’) provided Mr H with a loan in August 2024. The loan was a short-term loan of £300 to be repaid over three months. The loan ran to term. Mr H says the credit was provided irresponsibly. What happened The deta... (2 pages)View decision -
Decision Reference DRN6251036
10 Nov 2017 Casheuronet UK LLC UpheldBanking and creditMr E complains that CashEuroNet UK LLC (trading as Pounds to Pocket) gave him a loan that he couldn’t afford.backgroundMr E took out a loan for £850 with Pounds to Pocket in 2012. The loan was due to be repaid by 11 monthly instalments of around £134 each.Mr E beli... (2 pages)View decision -
Decision Reference DRN5882847
22 Jun 2020 Oakbrook Finance Limited UpheldBanking and creditMrs E thinks that Oakbrook Finance Limited, trading as Likely Loans, treated her unfairly when it lent her money in August 2018.background In August 2018, Likely Loans lent Mrs E £1,000, which Mrs E agreed to repay, with interest, over 12 months. The monthly repayments were £115.96, and if... (3 pages)View decision