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-1953560
29 Jun 2020 Gain Credit LLC Not upheldConsumer CreditThe complaint Mr M says Gain Credit LLC (trading as Lending Stream) irresponsibly lent to him. What happened This complaint is about two 6-month instalment loans Lending Stream provided to Mr M in April 2016 and September 2016. Details of these loans are set out below. LoanTaken outRepaidA... (3 pages)View decision -
Decision Reference DRN-3126685
23 Nov 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3126685 The complaint Mr P complains about Barclays Bank UK PLC trading as Barclaycard and their decision to approve his credit card application and subsequent credit limit increases. What happened Mr P applied for a credit card account with Barclays in July 2013. This application was ... (4 pages)View decision -
Decision Reference DRN-5616300
11 Jun 2025 Oakbrook Finance Limited UpheldConsumer CreditDRN-5616300 The complaint Mr W complains that OAKBROOK FINANCE LIMITED (Oakbrook), trading as Finio Loans, lent to him irresponsibly. What happened In November 2022, Mr W took out a loan with Oakbrook for £1,000 with repayment by twelve monthly instalments of £113.23. Mr W maintained h... (5 pages)View decision -
Decision Reference DRN-4895769
23 Aug 2024 Nationwide Building Society UpheldConsumer CreditDRN-4895769 The complaint Mr M complains that Nationwide Building Society irresponsibly lent to him. What happened Mr M was approved for a Nationwide personal loan in June 2019 for £17,307.90. Due to Mr M requesting breathing space on the personal loan during the Covid lockdown, Nationw... (5 pages)View decision -
Decision Reference DRN-4685404
29 May 2024 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-4685404 The complaint Mr L complains that Clydesdale Bank Plc trading as Virgin Money was irresponsible when it offered him credit. What happened Virgin Money opened a credit card account for Mr L in on 6 May 2021 with a credit limit of £9,300. This type of credit was an open-ended or ... (3 pages)View decision -
Decision Reference DRN1933666
31 Aug 2017 MEM Consumer Finance Limited UpheldBanking and creditMiss L complains about a number of payday loans agreed by MEM Consumer Finance Limited (trading as Payday UK). She has said the loans were unaffordable for her.backgroundMiss L took out a total of nine loans with Payday UK between September 2008 and October 2012. The ... (4 pages)View decision -
Decision Reference DRN8824870
25 Oct 2019 Novaloans Ltd UpheldBanking and creditMr L says Novaloans Ltd (trading as Cash4unow) irresponsibly lent to him.backgroundThis complaint is about eight short term loans Cash4unow provided to Mr L between March 2016 and January 2018. Mr L’s borrowing history is as follows: loan number start date loan amount (£)termhighest repaym... (4 pages)View decision -
Decision Reference DRN7710464
28 Nov 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr W complains that Express Finance (Bromley) Limited (trading as Payday Express) was irresponsible to lend him money as it should have seen the loans were unaffordable to him.backgroundMr W had three loans, and two top-ups, from Payday Express between October 2011 ... (2 pages)View decision -
Decision Reference DRN7203361
17 Aug 2017 Lending Stream Llc Not upheldBanking and creditMr M complains that Lending Stream LLC was irresponsible to lend money to him.backgroundMr M took out 23 instalment loans with Lending Stream between 2014 and 2015. The loans were for between £80 and £750 and were each due to be repaid in six monthly instalments – ... (7 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
