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-4479621
24 Jan 2024 MBNA Limited Not upheldBanking and PaymentsDRN-4479621 The complaint Ms A complains that MBNA Limited (‘MBNA Limited’) irresponsibly gave two credit card accounts that she couldn’t afford. What happened On 12 January 1999, Ms A applied for a credit card account with MBNA Limited. The account opened on 2 February 1999. On 29 March 2... (3 pages)View decision -
Decision Reference DRN-5561411
11 Sep 2025 Western Circle Ltd Not upheldConsumer CreditDRN-5561411 The complaint Mr H complains that Western Circle Ltd trading as Cashfloat gave him a loan he couldn’t afford to repay What happened In July 2024, Cashfloat gave Mr H a £500 instalment loan. It was due to be paid back over seven monthly instalments and the highest repayment a... (3 pages)View decision -
Decision Reference DRN-5260326
4 Mar 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5260326 The complaint Mr and Mrs E says Lloyds Bank PLC (“Lloyds”) refuses to refund them for a transaction on their account they say they didn’t authorise. What happened The facts of this complaint are well known to both parties, so I won’t repeat them in detail here. In summary, M... (3 pages)View decision -
Decision Reference DRN7758626
13 Apr 2017 Lending Stream Llc UpheldBanking and creditMrs G complains that Lending Stream LLC gave her unaffordable instalment loans. She wants the outstanding balances written off and her interest refunded. backgroundMrs G had 16 loans from Lending Stream between December 2014 and March 2016. She said she was in a poor fi... (3 pages)View decision -
Decision Reference DRN2322444
20 Apr 2018 Gain Credit LLC UpheldBanking and creditMr B complains that Gain Credit LLC (trading as Lending Stream) gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges and pays compensation for his time and distress.backgroundMr B took out nine instalments loans with Gain Credi... (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 DRN3309845
16 Feb 2016 Barclays Bank Plc Not upheldBanking and creditMr P complains that Barclays Bank PLC lent to him irresponsibly.backgroundMr P took out a loan with Barclays in July 2014. A few months later, he wanted to increase his overdraft by £1,000. But Barclays wasn’t willing to do this. Instead, it offered him a loan which re... (3 pages)View decision -
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 DRN8280852
16 Apr 2019 Western Circle Limited UpheldBanking and creditMr G complains about five loans he took out with Western Circle Limited, trading asCashfloat, (“WCL”). Mr G says that WCL shouldn’t have given him the loans because theywere unaffordable.background Mr G was given five loans by WCL between December 2016 and December ... (6 pages)View decision
