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-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 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 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 DRN-3200107
6 Dec 2021 Al Rayan Bank PLC Not upheldBanking and PaymentsDRN-3200107 The complaint and background Mr B complains that Al Rayan Bank PLC (“Al Rayan”) did not help recover monies he paid to a trading website which he says turned out to be a scam. On 16 November 2021, I issued my provisional decision rejecting this complaint. For completeness, I r... (3 pages)View decision -
Decision Reference DRN3666453
28 Mar 2018 Bank of Scotland Plc Not upheldBanking and creditMr W has complained Bank of Scotland plc, trading as Halifax, lent to him irresponsibly by allowing him a large overdraft which he couldn’t afford to repay.backgroundMr W complained to Halifax in 2017 about the charges they’d applied to his account from 2010 to ... (3 pages)View decision -
Decision Reference DRN-4856725
10 Aug 2024 PayPal UK Ltd UpheldBanking and PaymentsDRN-4856725 The complaint Miss J complains that PayPal UK Ltd irresponsibly allowed her to open a credit account which was unaffordable. What happened Miss J says she opened the PayPal account in July 2021 but at the time was heavily in debt. She says insufficient checks were carried ou... (2 pages)View decision -
Decision Reference DRN-4500581
4 Mar 2024 Admiral Financial Services Limited UpheldConsumer CreditDRN-4500581 The Complaint Mr S complains that Admiral Financial Services Limited (“Admiral”) irresponsibly lent to him. What happened Admiral lent Mr S a loan for £8,000 in November 2021, the loan was due to be repaid on 36 monthly instalments of £255.47. Mr S has complained that he couldn... (3 pages)View decision -
Decision Reference DRN3242735
24 Nov 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMiss L complains that Curo Transatlantic Limited trading as Wage Day Advance (WDA) gave her unaffordable payday loans and instalment loans. She wants a refund of the interest and charges she paid, with interest, and for the loans to be removed from her credit file.b... (2 pages)View decision
