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 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 DRN9709475
31 Jan 2020 Evergreen Finance London Ltd UpheldBanking and creditMr F says Evergreen Finance London Limited, trading as MoneyBoat.co.uk (“MoneyBoat”), irresponsibly lent to him.backgroundThis complaint is about six short-term loans MoneyBoat provided to Mr F between March 2016 and November 2017. Mr F’s borrowing history is as follows (I have rounded the... (3 pages)View decision -
Decision Reference DRN3666453
28 Mar 2018 Bank of Scotland Plc Not upheldBanking and creditMr W has complained Bank of Scotland plc, trading as Halifax, lent to him irresponsibly by allowing him a large overdraft which he couldn’t afford to repay.backgroundMr W complained to Halifax in 2017 about the charges they’d applied to his account from 2010 to ... (3 pages)View decision -
Decision Reference DRN3242735
24 Nov 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMiss L complains that Curo Transatlantic Limited trading as Wage Day Advance (WDA) gave her unaffordable payday loans and instalment loans. She wants a refund of the interest and charges she paid, with interest, and for the loans to be removed from her credit file.b... (2 pages)View decision -
Decision Reference DRN-4500581
4 Mar 2024 Admiral Financial Services Limited UpheldConsumer CreditDRN-4500581 The Complaint Mr S complains that Admiral Financial Services Limited (“Admiral”) irresponsibly lent to him. What happened Admiral lent Mr S a loan for £8,000 in November 2021, the loan was due to be repaid on 36 monthly instalments of £255.47. Mr S has complained that he couldn... (3 pages)View decision -
Decision Reference DRN-3200107
6 Dec 2021 Al Rayan Bank PLC Not upheldBanking and PaymentsDRN-3200107 The complaint and background Mr B complains that Al Rayan Bank PLC (“Al Rayan”) did not help recover monies he paid to a trading website which he says turned out to be a scam. On 16 November 2021, I issued my provisional decision rejecting this complaint. For completeness, I r... (3 pages)View decision -
Decision Reference DRN-4856725
10 Aug 2024 PayPal UK Ltd UpheldBanking and PaymentsDRN-4856725 The complaint Miss J complains that PayPal UK Ltd irresponsibly allowed her to open a credit account which was unaffordable. What happened Miss J says she opened the PayPal account in July 2021 but at the time was heavily in debt. She says insufficient checks were carried ou... (2 pages)View decision -
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