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-4109359
31 Jul 2023 FUND OURSELVES LIMITED Not upheldConsumer CreditDRN-4109359 The complaint Mr D complains that FUND OURSELVES LIMITED irresponsibly provided him with loans he couldn’t afford to repay, and that it continued to charge him interest while he was in a “breathing space”. What happened Mr D took out two loans with Fund Ourselves as follows Da... (4 pages)View decision -
Decision Reference DRN-3293681
29 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3293681 The complaint Mr M complains that NewDay Ltd won’t reimburse money he lost when he says he fell victim to a binary options investment scam. What happened Mr M came across a binary options company called 72 Option online. They guaranteed profits and explained investing with them... (3 pages)View decision -
Decision Reference DRN-1809532
8 Jul 2020 Gain Credit LLC UpheldConsumer CreditDRN-1809532 The complaintMr N complains that Gain Credit LLC (trading as Lending Stream) lent to him in an irresponsible manner. What happenedMr N was given six loans by Lending Stream between April and June 2018. He says it didn’t do adequate affordability checks before giving him the lo... (3 pages)View decision -
Decision Reference DRN1607013
29 Oct 2018 PDL Finance Limited UpheldBanking and creditMr E complains that PDL Finance Limited (trading as Mr Lender) gave him loans that he couldn’t afford to repay.backgroundThe background to this complaint was set out in the provisional decision I issued in September 2018. An extract from this is attached and forms par... (4 pages)View decision -
Decision Reference DRN-3147069
5 Nov 2021 Madison CF UK Limited UpheldConsumer CreditDRN-3147069 The complaint Mr B complains that Madison CF UK Limited (trading as 118 118 Money) granted him loans that were unaffordable. What happened In March 2019, Mr B took out a loan for £1,000 with Madison. The loan was to be repaid over 18 months with repayments set at £106.85 a mont... (4 pages)View decision -
Decision Reference DRN-4126885
20 Jul 2023 Barclays Bank UK PLC Not upheldConsumer CreditDRN-4126885 The complaint Mr P’s complaint is that Barclays Bank UK PLC irresponsibly provided him with two loans. What happened Barclays approved Mr P with the following two loans: Loan Date of loan Capital amount Term (months) Monthly repayments Total repayable value Loan 1 11 March 2022... (3 pages)View decision -
Decision Reference DRN6988791
16 Jan 2020 PDL Finance Limited UpheldBanking and creditMr B complains that PDL Finance Limited (trading as Mr Lender) irresponsibly gave him loans he couldn’t afford to pay back.backgroundMr Lender gave Mr B 6 loans between July 2016 and December 2017. A summary of Mr B’s lending is as follows:LoanDate TakenDate RepaidInstalmentsAmountHighest ... (4 pages)View decision -
Decision Reference DRN-2942771
27 Sep 2021 TFS Loans Limited UpheldConsumer CreditDRN-2942771 The complaint Miss L has complained that TFS Loans Limited (“TFS Loans”) provided her with an unaffordable loan. What happened TFS Loans provided Miss L with a loan of £7,500 in April 2017. This loan had a 60-months term with a monthly repayment amount of £293.19. This all mea... (4 pages)View decision -
Decision Reference DRN-2895568
11 Oct 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2895568 The complaint Mr W complains about a loan provided to him by Loans 2 Go Limited (“Loans 2 Go”), which he says was unaffordable. What happened Loans 2 Go provided Mr W with a fixed sum loan. The details are given below: Number Taken Instalment Amount Monthly Instalments 1 18/02/... (4 pages)View decision -
Decision Reference DRN9109818
30 Apr 2013 The Royal Bank of Scotland Plc Not upheldBanking and creditMr T complains that RBS would not reinstate his overdraft and instead agreed a loan which he says was irresponsible.backgroundMr T had an overdraft limit of £4,000 and when online says he accidentally amended this to £250. He applied for this to be increased again but RBS did not agre... (2 pages)View decision
