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-2761970
15 Jun 2021 TFS Loans Limited UpheldConsumer CreditDRN-2761970 The complaint Miss S says TFS Loans Limited lent to her irresponsibly. What happened Miss S took out a guarantor loan from TFS in April 2016. It was for £7,500 over 60 months. The monthly repayment was £279.25 and the total repayable was £16,755. Miss S says she is finding it v... (3 pages)View decision -
Decision Reference DRN-5039557
10 Oct 2024 Oakbrook Finance Limited Not upheldConsumer CreditDRN-5039557 The complaint Mr A has complained that OAKBROOK FINANCE LIMITED trading as Likely Loans (“Likely Loans”) irresponsibly lent to him. What happened Mr A was advanced one loan of £2,000 on 19 July 2021 following an application through a broker. Mr A was due to make 12 monthly ... (3 pages)View decision -
Decision Reference DRN-4779394
3 May 2024 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4779394 The complaint Mr T is complaining about Lloyds Bank PLC because he says it lent irresponsibly in granting him an overdraft he couldn’t afford. What happened Mr T had a current account with Lloyds. In 2019, it accepted his application for an overdraft facility with a limit of £5... (4 pages)View decision -
Decision Reference DRN1912278
22 Aug 2016 Indigo Michael Limited UpheldBanking and creditMr M complains that Indigo Michael trading as SafetyNetCredit (‘SafetyNetCredit’) lent to him irresponsibly.backgroundThe background to this complaint, and my initial conclusions, were set out in my provisional decision dated 4 July 2016 – a copy of which is attached ... (5 pages)View decision -
Decision Reference DRN-5225905
20 Dec 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5225905 The complaint Mr J complains Monzo Bank Ltd (“Monzo”) wouldn’t refund, or query, a transaction debited from his account from a betting company. He also complains that Monzo closed his account. What happened In February 2023, Mr J was paid the winnings of two separate bets he... (7 pages)View decision -
Decision Reference DRN9692182
9 Jan 2019 Western Circle Limited Not upheldBanking and creditMr T says Western Circle Limited, trading as Cashfloat, lent to him irresponsibly.backgroundI sent both parties my provisional decision on this complaint on 18 December 2018. A copy of it is attached and it forms part of this final decision. I explained why I wasn’... (6 pages)View decision -
Decision Reference DRN-4843494
25 Jun 2024 Close Brothers Limited Not upheldConsumer CreditDRN-4843494 Complaint Miss B complains that Close Brothers Ltd (“Close Brothers”) unfairly entered into a conditional sale agreement with her. She’s said that no checks were done for the finance and she was provided with the funds at a time when she had a bad credit score. Background In Ap... (3 pages)View decision -
Decision Reference DRN-2849592
29 Jun 2021 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2849592 The complaint Mr S says Provident Personal Credit Limited, trading as Satsuma Loans, irresponsibly lent to him. He says he told Satsuma he was in serious financial difficulty due to gambling before it lent to him. He thinks it shouldn’t have approved the lending because of this... (3 pages)View decision -
Decision Reference DRN2522861
26 Oct 2017 Avantcredit Of Uk, Llc Not upheldBanking and creditMrs S complained about Avantcredit of UK LLC’s handling of her loan once she came into financial difficulties.backgroundMrs S took out a loan with Avantcredit in January 2016 for £6,000 to be repaid over four years. Mrs S paid about £253 a month.At the start of 2017 ... (3 pages)View decision -
Decision Reference DRN-4833249
6 Jun 2024 Chetwood Financial Limited Not upheldConsumer CreditDRN-4833249 The complaint Mr P has complained through a representative that Chetwood Financial Limited trading as Live Lend (“LiveLend”) didn’t conduct sufficient affordability checks before it lent to him. What happened LiveLend advanced one loan of £1,000 on 15 November 2019 to be repaid... (3 pages)View decision
