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-3414522
30 May 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3414522 The complaint Mr K says AvantCredit of UK, LLC irresponsibly lent to him. What happened This complaint is about 3 loans provided by AvantCredit to Mr K between March 2016 and March 2017. Mr K’s borrowing history is as follows: Loan Date taken Amount Term Repayment 1 August 2019... (3 pages)View decision -
Decision Reference DRN-3570416
11 Oct 2022 Lloyds Bank PLC Not upheldConsumer CreditDRN-3570416 The complaint Mr D complains that Lloyds Bank PLC (“Lloyds”) lent to him irresponsibly when it gave him a loan that he says he couldn’t afford. What happened Mr D complained to this service about two separate loans provided to him by Lloyds; both loans were addressed in our inv... (3 pages)View decision -
Decision Reference DRN-3504958
30 May 2022 Progressive Money Limited Not upheldConsumer CreditDRN-3504958 The complaint Ms K says Progressive Money Limited (PML) lent to her irresponsibly. What happened Ms K took out a 5-year instalment loan for £11,000 from PML on 20 September 2017. The monthly repayments were £359.51 and the total repayable was £21,558.80. Ms K says she had diffi... (3 pages)View decision -
Decision Reference DRN-3452826
5 May 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3452826 The complaint Mr D says Everyday Lending Limited (ELL), trading as Everyday Loans, irresponsibly lent to him. What happened This complaint is about an 18-month instalment loan for £3,000 that ELL provided to Mr D on 30 November 2018. The monthly repayments were £255.42 and the ... (3 pages)View decision -
Decision Reference DRN-3479363
14 May 2022 UK Credit Limited Not upheldConsumer CreditDRN-3479363 The complaint Mr S complains that UK Credit Limited (“UK Credit”) lent to him in an irresponsible manner. What happened Mr S was given a guarantor loan by UK Credit in August 2015. He borrowed £4000 and agreed to repay this over 48 months. Mr S has repaid this loan. I issued a ... (3 pages)View decision -
Decision Reference DRN-4936134
31 Jul 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4936134 Complaint Miss S has complained about a personal loan Zopa Bank Limited (“Zopa”) which she says it unfairly lent to her. She says that she was heavily in debt to other creditors and sufficient checks would have shown that her financial situation was not right for further len... (3 pages)View decision -
Decision Reference DRN1426573
7 Sep 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr H complains that Express Finance (Bromley) Limited (trading as Payday Express) gave him loans that he couldn’t afford to pay back. backgroundMr H borrowed a total of six times from Payday UK between August 2012 and July 2014. Loan numberdate takenamount borrowed de... (3 pages)View decision -
Decision Reference DRN6956539
24 Oct 2017 Lending Stream Llc UpheldBanking and creditMr H complains that Lending Stream LLC lent him money he couldn’t afford to repay.backgroundMr H took out 10 instalment loans with Lending Stream between February 2016 and January 2017. He says he was trapped in a cycle of borrowing more each time to keep up with his r... (3 pages)View decision -
Decision Reference DRN-2955987
28 Sep 2021 Everyday Loans Limited UpheldConsumer CreditDRN-2955987 The complaint Mr W has complained that Everyday Loans Limited (ELL) irresponsibly lent to him. What happened In July 2014 ELL agreed a loan of £8,000 to Mr W, to be repaid over 60 months. The monthly repayment was £257.28 and this loan remains outstanding. The purpose of this l... (3 pages)View decision -
Decision Reference DRN-3666185
25 Aug 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3666185 The complaint Mrs M complains that HSBC UK Bank Plc has not refunded payments she says she did not make. What happened Mrs M’s son was staying with her, and didn’t have a mobile phone of his own, so she lent her phone to him so he could make a phone call. Mrs M asked her son to... (3 pages)View decision
