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 4764 results
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Decision Reference DRN1169680
12 Dec 2016 Lending Stream Llc Not upheldBanking and creditMr F complains about Lending Stream LLC providing him with 47 loans over an almost four year period. He says he couldn’t afford the loans and this should’ve been clear to Lending Stream when considering the loans. Mr F would like Lending Stream to refund the interest ... (6 pages)View decision -
Decision Reference DRN5073389
30 Jan 2018 Lloyds Bank PLC UpheldBanking and creditG is a limited company. It complains that Lloyds Bank Plc mis-sold a fixed rate business loan to the company and hasn’t offered enough compensation.backgroundG took two fixed rate business loans from Lloyds – the first in 2009 and the second in 2012. The company ha... (6 pages)View decision -
Decision Reference DRN3588339
30 Jan 2018 Lloyds Bank PLC UpheldBanking and creditG is a limited company. It complains that Lloyds Bank PLC mis-sold a fixed rate business loan to the company.backgroundG took two fixed rate business loans from Lloyds – the first in 2009 and the second in 2012. The company has complained to this service about both ... (6 pages)View decision -
Decision Reference DRN-4600109
30 Apr 2024 Santander UK Plc Not upheldConsumer CreditDRN-4600109 The complaint Mr S complains that Santander UK Plc lent to him irresponsibly. What happened Mr S applied on-line to Santander for a £10,000 loan on 18 August 2023. He supplied information on the application form, the loan was processed and approved. The total to pay over the th... (5 pages)View decision -
Decision Reference DRN3885387
12 Mar 2019 Casheuronet UK LLC UpheldBanking and creditMr V complains about a total of 8 payday loans CashEuroNet UK LLC (trading as QuickQuid) gave to him. Mr V has said the loans were unaffordable.backgroundI issued a provisional decision on this complaint on 25 February 2019. In my provisional decision, I set out a deta... (9 pages)View decision -
Decision Reference DRN9618176
2 Jun 2017 Apfin Ltd UpheldBanking and creditMr C has complained about short-term loans granted to him by Apfin Ltd trading as cashasap.co.uk (“Apfin” or “the lender”).backgroundThe background to the complaint was set out in my provisional decision dated 3 May 2017, a copy of which is attached and forms part of... (5 pages)View decision -
Decision Reference DRN-4008274
24 May 2023 Shelby Finance Ltd Not upheldConsumer CreditDRN-4008274 The complaint Mr S complains that Shelby Finance Ltd trading as Dot Dot Loans (Shelby) lent to him irresponsibly. What happened Mr S took three loans. Here is a brief table. Loan Date Taken Date Repaid Term - months Loan amount Monthly repayment Total + int 1 23/02/21 26/02/21 ... (5 pages)View decision -
Decision Reference DRN2645060
16 Jul 2018 Blemain Finance Limited Not upheldBanking and creditMr Y complains that Blemain Finance Limited gave him two secured loans that he couldn’t afford to repay. He’s also unhappy with the actions it’s taken in trying to recover the outstanding amounts.backgroundIn July 2014, Mr Y applied for a secured loan through a broker w... (4 pages)View decision -
Decision Reference DRN7014570
16 Dec 2019 Lloyds Bank PLC UpheldBanking and creditMr L complains about the service he received from Lloyds Bank PLC (Lloyds). He says Lloyds did not allow him, as his mother’s attorney, access to her account, because he is a non-UK resident, and secondly that Lloyds had no procedure to detect unusual activity on her accounts, which led to... (3 pages)View decision -
Decision Reference DRN5160437
12 Dec 2014 Tesco Personal Finance PLC Not upheldBanking and creditMr C complains about the way in which Tesco Personal Finance PLC has charged interest on his credit card account. backgroundMr C used his credit card for a couple of gambling transactions in early 2014. These transactions are deemed to be cash advances. Mr C says he was aware of this, s... (2 pages)View decision
