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 DRN4269966
23 Sep 2020 Loans 2 Go Limited Not upheldBanking and creditMr M complains about a loan Loans 2 Go Limited lent to him. Mr M says he was vulnerable at the time and couldn’t afford the loan. backgroundMr M took out a loan with Loans 2 Go in February 2016. The loan was for £500 secured against Mr M’s car. The loan was due to be repaid over 12 monthly... (2 pages)View decision -
Decision Reference DRN-1579821
27 Aug 2020 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-1579821The complaintMr F has complained Barclays Bank UK PLC didn’t block a payment which he didn’t authorise. What happenedIn December 2019 a loan company Mr F had an agreement with debited him £724.88 using a continuous authority set up on his debit card. Mr F complained to Barclays ... (3 pages)View decision -
Decision Reference DRN-4760385
3 May 2024 Oakbrook Finance Limited Not upheldConsumer CreditDRN-4760385 Complaint Mr S has complained about a loan Oakbrook Finance Limited (trading as “Finio Loans”) provided to him. He says the loan was unaffordable given his circumstances at the time and so shouldn’t have been provided. Background Finio Loans provided Mr S with a loan for £1,500... (3 pages)View decision -
Decision Reference DRN-4322100
29 Aug 2023 Oakbrook Finance Limited UpheldConsumer CreditDRN-4322100 The complaint Mrs P, through a representative, says Oakbrook Finance Limited (trading as Likely Loans) lent to her irresponsibly. What happened Mrs P took out a 24-month instalment loan for £2,000 from Likely Loans on 12 September 2019. The monthly repayment was £131.05 and the... (3 pages)View decision -
Decision Reference DRN-5785008
2 Oct 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5785008 The complaint Mr C complains that Zopa Bank Limited was irresponsible in its lending to him. What happened Mr C was provided with a £15,000 loan by Zopa in May 2024. The loan term was 60 months and Mr C was required to make monthly repayments of £347.69. Mr C said that Zopa ... (2 pages)View decision -
Decision Reference DRN9532744
5 Sep 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr H has complained about payday loans he took out with Express Finance (Bromley) Limited (trading as Payday Express). He says Payday Express didn’t check whether the loans were affordable, and had it done so, it wouldn’t have lent to him. backgroundA summary of Mr ... (4 pages)View decision -
Decision Reference DRN-2051422
12 Jan 2021 Advancis Limited UpheldConsumer CreditDRN-2051422 The complaint Mr W complains Advancis Limited trading as Buddy Loans irresponsibly lent to him. He says Buddy Loans didn’t complete reasonable and proportionate checks before approving him for a loan. He says had Buddy Loans done this, it would’ve seen the loan was unaffordable... (4 pages)View decision -
Decision Reference DRN-6044062
5 Jan 2026 Oakbrook Finance Limited Not upheldConsumer CreditDRN-6044062 The complaint Mr F says Oakbrook Finance Limited, trading as Finio Loans, irresponsibly lent to him. What happened Mr F took out three loans from Finio as set out below. loandate valueterm monthly repayments status 1 02/02/2022 £1,00012 £99.14settled 3/22 2 21/11/2022 £2,00... (4 pages)View decision -
Decision Reference DRN-3704621
27 Sep 2022 Lloyds Bank PLC UpheldConsumer CreditDRN-3704621 The complaint Mr R complains through his representative (a relative) that Lloyds Bank PLC lent him monies on two loans he was unable to afford to repay. What happened Lloyds provided Mr R with the following loans: Date Amount Period of loan Monthly instalment* Loan 1 20/7/18 £5... (4 pages)View decision -
Decision Reference DRN-3514795
1 Jun 2022 Bank of Scotland Plc UpheldConsumer CreditDRN-3514795 The complaint Mr C complains that Bank of Scotland plc (trading as Halifax) acted irresponsibly by giving him a loan that he couldn’t afford to repay. What happened On 15 May 2019 Halifax approved Mr C’s application for a £5,000 loan. This was to be repaid in 24 monthly instalm... (4 pages)View decision