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 DRN8856997
16 Feb 2021 Creative Finance Corp Ltd UpheldBanking and creditMr C complains that Creative Finance Corp Ltd irresponsibly lent to him. Mr C has also said that he’s unhappy with the level of service Creative Finance provided, specifically surrounding his logbook and the attempted debit of his account. background From the information provided, Mr C too... (5 pages)View decision -
Decision Reference DRN-4316263
5 Jan 2024 Savvy Loan Products Limited UpheldConsumer CreditDRN-4316263 The complaint Mr M complains Savvy Loan Products Limited trading as Tick Tock Loans (“Tick Tock”) gave him loans without carrying out sufficient affordability checks. What happened A summary of Mr M’s borrowing can be found in the table below. loan number loan amount agreement... (5 pages)View decision -
Decision Reference DRN7397960
27 Jun 2018 Uncle Buck Finance LLP Not upheldBanking and creditMr M complains that Uncle Buck Finance LLP lent him money he couldn’t afford to repay.backgroundMr M took out one loan with Uncle Buck in October 2013 for £250. He rolled the loan over at the end of October 2013.Mr M says Uncle Buck was irresponsible to agree to l... (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 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-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 DRN8790079
10 Oct 2017 Provident Personal Credit Limited Not upheldBanking and creditMr P complains that Provident Personal Credit Limited lent him money irresponsibly.backgroundThe background to this complaint and my provisional findings are set out in my provisional decision dated 19 July 2017 – a copy is attached and this forms part of my final d... (7 pages)View decision -
Decision Reference DRN8769268
1 Aug 2019 Elevate Credit International Limited UpheldBanking and creditComplaintMs S says Elevate Credit International Limited (trading as Sunny) lent to her irresponsibly.BackgroundThis complaint is about 15 payday loans Sunny provided to Ms S between November 2016 and November 2017. I’ve set out some of the information we’ve received about these loans in th... (4 pages)View decision -
Decision Reference DRN-2779194
26 Apr 2021 TM Advances Limited UpheldConsumer CreditDRN-2779194 The complaint Mrs H complains about three personal loans provided to her by TM Advances Limited, trading as TM Advances, (“TMA”), which she says were irresponsibly lent. What happened TMA agreed three loans for Mrs H. All the loans have been repaid. Some of the information TMA ... (9 pages)View decision -
Decision Reference DRN-2935359
8 Sep 2021 Oplo PL Ltd UpheldConsumer CreditDRN-2935359 The complaint Mr F has complained Oplo PL Ltd has lodged a fraud-related marker against his name. Mr F is represented in his complaint by his wife, Mrs F. What happened After having a loan application turned down by Oplo, Mr F found out a CIFAS marker was lodged against his nam... (2 pages)View decision
