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 5478 results
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Decision Reference DRN6469112
11 Jan 2018 Lending Stream Llc UpheldBanking and creditMr B complains that Lending Stream LLC wrongly lent him money he couldn’t afford to pay back.backgroundMr B took out five short term loans with Lending Stream between August and October 2013. He said that the business didn’t carry out proper affordability checks and allowe... (3 pages)View decision -
Decision Reference DRN7287230
3 Feb 2021 Loans 2 Go Limited UpheldBanking and creditMr E complains that Loans 2 Go Limited irresponsibly lent to him. background From the information provided, Mr E took out two loans with Loans 2 Go. The first loan was taken in January 2018 for £250. The loan was due to run for 18 months with monthly instalments of £56.64. I understand tha... (3 pages)View decision -
Decision Reference DRN3990193
19 Oct 2016 Ecashwindow Ltd UpheldBanking and creditMr N has complained about short-term loans granted to him by Ecashwindow Ltd. backgroundEcashwindow agreed five short-term loans for Mr N over the period July 2011 to May 2013. Mr N says these loans were unaffordable for him and that Ecashwindow would have known that ... (3 pages)View decision -
Decision Reference DRN-2930181
1 Jun 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-2930181 The complaint Mr Q complains Everyday Lending Limited trading as Trusttwo irresponsibly approved him for a loan. Mr Q is represented by a claims management company. For ease I’ll refer to all submissions as if they were made directly by him. What happened Trusttwo approved Mr Q... (3 pages)View decision -
Decision Reference DRN-3126456
1 Nov 2021 My Finance Club Limited Not upheldConsumer CreditDRN-3126456 The complaint Mr M complains that My Finance Club Limited didn’t carry out adequate checks before lending to him. He says the loan provided is unaffordable. What happened Mr M was provided with a £400 loan by My Finance Club in April 2021. He says at the time of the loan he had... (2 pages)View decision -
Decision Reference DRN-3425293
29 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3425293 The complaint Miss O says NewDay Ltd trading as Marbles Card irresponsibly lent to her. What happened Miss O’s complaint is about a credit card account provided by NewDay. The account was opened in December 2015. Miss O was given an initial credit limit of £450. This limit was ... (3 pages)View decision -
Decision Reference DRN-5455678
7 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5455678 The complaint Mr B complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr B applied for an Aqua credit card in April 2024. In his application, Mr B said he was employed... (2 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 DRN-4895769
23 Aug 2024 Nationwide Building Society UpheldConsumer CreditDRN-4895769 The complaint Mr M complains that Nationwide Building Society irresponsibly lent to him. What happened Mr M was approved for a Nationwide personal loan in June 2019 for £17,307.90. Due to Mr M requesting breathing space on the personal loan during the Covid lockdown, Nationw... (5 pages)View decision