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
-
Decision Reference DRN3836987
29 May 2015 Instant Cash Loans Limited UpheldBanking and creditMr M has complained that Instant Cash Loans Limited lent to him irresponsibly.backgroundOur adjudicator considered that the information provided showed that in July 2010, Mr M had alerted Instant Cash Loans to the fact that he had a gambling addiction. Accordingly, ... (2 pages)View decision -
Decision Reference DRN-3599348
31 Oct 2022 Progressive Money Limited UpheldConsumer CreditDRN-3599348 The complaint Mr M complains that Progressive Money Limited (PML) lent to him irresponsibly. What happened Using information provided to us by PML, Mr M was approved for a £10,000 loan in November 2017. The repayments over ten years were just over £300 each month for 120 months... (12 pages)View decision -
Decision Reference DRN4195267
16 Oct 2018 DJS (UK) Limited Not upheldBanking and creditMr W complains that DJS (UK) Limited, trading as PiggyBank, was irresponsible to give him a loan at a time when his debts were mounting up due to a gambling addiction. He is also concerned that PiggyBank keeps contacting him about the repayment of the debt and he... (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 DRN-2084174
14 Aug 2020 Metro Bank PLC UpheldBanking and PaymentsDRN-2084174The complaintMr and Mrs B complained because Metro Bank PLC refused to refund them for a transaction they said they hadn’t authorised. What happenedOn 16 September 2019, three debits, all to different insurance companies, were attempted on Mr and Mrs B’s account with Metro: - on... (4 pages)View decision -
Decision Reference DRN-2560303
8 Feb 2021 TFS Loans Limited UpheldConsumer CreditDRN-2560303 The complaint Mr W complains that TFS Loans Limited lent to him in an irresponsible manner. What happened Mr W was given a single loan by TFS. He borrowed £6,500 in February 2016 and agreed to repay the loan over 54 monthly instalments. Mr W’s loan was guaranteed by a family me... (3 pages)View decision -
Decision Reference DRN-3160382
23 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3160382 The complaint Mr P says AvantCredit of UK, LLC lent to him irresponsibly. What happened In March 2016 Mr P took out a 48-month instalment loan from AvantCredit for £3,800. The monthly repayment was £152.36 and the total repayable was £7,313.14. Mr P says he took out the loan to... (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 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
