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 4777 results
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Decision Reference DRN-2116718
31 Mar 2021 Nine Regions Limited UpheldConsumer CreditDRN-2116718 The complaint In summary, Mr F has complained that Nine Regions Limited (NR) provided him with a loan when he wasn’t able to afford it. What happened In September 2009 NR gave Mr F a loan for £1,000 repayable over 18 months. It was a log book loan secured on his car. The total ... (3 pages)View decision -
Decision Reference DRN-5039557
10 Oct 2024 Oakbrook Finance Limited Not upheldConsumer CreditDRN-5039557 The complaint Mr A has complained that OAKBROOK FINANCE LIMITED trading as Likely Loans (“Likely Loans”) irresponsibly lent to him. What happened Mr A was advanced one loan of £2,000 on 19 July 2021 following an application through a broker. Mr A was due to make 12 monthly ... (3 pages)View decision -
Decision Reference DRN-4779394
3 May 2024 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4779394 The complaint Mr T is complaining about Lloyds Bank PLC because he says it lent irresponsibly in granting him an overdraft he couldn’t afford. What happened Mr T had a current account with Lloyds. In 2019, it accepted his application for an overdraft facility with a limit of £5... (4 pages)View decision -
Decision Reference DRN-2761970
15 Jun 2021 TFS Loans Limited UpheldConsumer CreditDRN-2761970 The complaint Miss S says TFS Loans Limited lent to her irresponsibly. What happened Miss S took out a guarantor loan from TFS in April 2016. It was for £7,500 over 60 months. The monthly repayment was £279.25 and the total repayable was £16,755. Miss S says she is finding it v... (3 pages)View decision -
Decision Reference DRN9692182
9 Jan 2019 Western Circle Limited Not upheldBanking and creditMr T says Western Circle Limited, trading as Cashfloat, lent to him irresponsibly.backgroundI sent both parties my provisional decision on this complaint on 18 December 2018. A copy of it is attached and it forms part of this final decision. I explained why I wasn’... (6 pages)View decision -
Decision Reference DRN-4036311
28 Apr 2023 Evergreen Finance London Limited UpheldConsumer CreditDRN-4036311 The complaint Mr S complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (MoneyBoat) gave him loans that weren’t affordable. What happened Mr S was advanced 12 instalment loans by MoneyBoat, and a summary of his borrowing follows in the table below. loan nu... (5 pages)View decision -
Decision Reference DRN9584983
13 Aug 2018 Instant Cash Loans Limited Not upheldBanking and creditMr S complains that Instant Cash Loans Limited, trading as Payday UK, approved loans he applied for which were unaffordable and it was irresponsible of Payday UK to do that. backgroundMr S applied for and was approved for several loans and I set out three of them h... (5 pages)View decision -
Decision Reference DRN8204515
11 Sep 2017 Casheuronet UK LLC Not upheldBanking and creditMr C complains that CashEuroNet UK LLC, trading as Pounds to Pocket, gave him loans he couldn’t afford to repay.backgroundMr C took out four instalment loans with Pounds to Pocket: loan one in March 2013, loan two in May 2013, loan three in September 2013 and loan... (6 pages)View decision -
Decision Reference DRN-4947687
5 Aug 2024 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4947687 The complaint Mr H is being represented by solicitors. He’s complaining about Lloyds Bank PLC because he says it lent irresponsibly by providing him with an overdraft, increasing the limit and then allowing him to continue relying on this form of high-cost credit. What happe... (4 pages)View decision -
Decision Reference DRN4953311
20 Nov 2020 Madison CF UK Limited UpheldBanking and creditMr G has complained about a loan he took out with Madison CF UK Limited, trading as 118 118 Money. Mr G says it was irresponsible for the company to give him the loan as it should have been obvious he could not afford to pay it back. background I issued a provisional decision in this case ... (7 pages)View decision
