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 DRN0723981
15 Jan 2020 PDL Finance Limited UpheldBanking and creditMr D complains that PDL Finance Limited (trading as Mr Lender) irresponsibly gave him loans he couldn’t afford to pay back.backgroundMr Lender gave Mr D 3 loans between July and December 2017. Mr D says that proportionate checks weren’t carried out before the loans were provided. He says i... (3 pages)View decision -
Decision Reference DRN6817288
18 Sep 2018 Uncle Buck Finance LLP UpheldBanking and creditMr S complains that Uncle Buck Finance LLP gave him loans he couldn’t afford to repay.backgroundMr S took out the following loans with Uncle Buck:date£ amount borroweddate repaid119 November 201330028 November 201325 December 201365028 February 2014Mr S says that Uncle Bu... (3 pages)View decision -
Decision Reference DRN-4159440
30 Aug 2023 PDL Finance Limited Not upheldConsumer CreditDRN-4159440 The complaint Mr K complains that PDL Finance Limited, trading as Mr Lender, lent to him when he could not afford it. He says that proper checks would have revealed he was a gambler and he had an Individual Voluntary Arrangement (IVA) in place. What happened Mr K took one loan ... (3 pages)View decision -
Decision Reference DRN1015785
29 Jan 2018 Lending Stream Llc Not upheldBanking and creditMiss C complains that Lending Stream LLC gave her loans that she couldn’t afford to repay.background The background to this complaint was set out in my provisional decision dated November 2017. An extract from this is attached and forms part of this final decision, ... (5 pages)View decision -
Decision Reference DRN-2477103
27 Jan 2021 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-2477103 The complaint Mr B complains that Capital One (Europe) plc refused to uphold his chargeback request. What happened Mr B made a number of deposits into an online trading account using his Capital One credit card. Mr B became dissatisfied with the service being provided by the co... (3 pages)View decision -
Decision Reference DRN5602519
21 Feb 2018 Gain Credit LLC Not upheldBanking and creditMr D complains that Lending Stream LLC lent him money he couldn’t afford to repay.backgroundMr D took out 8 instalment loans with Lending Stream between April 2013 and January 2017.No.Borrowing DateRepayment dateLoan AmountNumber of Instalments Maximum combined monthly in... (4 pages)View decision -
Decision Reference DRN-2342604
17 Nov 2020 Loans 2 Go Limited UpheldConsumer CreditDRN-2342604 The complaint Mr P has complained that Loans 2 Go Limited lent to him irresponsibly. What happened I issued a provisional decision about this complaint in October 2020 that I summarise below. Mr P was given two logbook loans by Loans2Go in November 2011 and December 2012. Loan ... (3 pages)View decision -
Decision Reference DRN4535412
17 May 2018 Gain Credit LLC UpheldBanking and creditMr H complains that Gain Credit LLC, trading as Lending Stream, gave him loans he couldn’t afford to repay.backgroundMr H took out the following instalment loans with Lending Stream:date£ amount borroweddate repaid11 December 20111352 February 2012230 December 20112658 Febru... (3 pages)View decision -
Decision Reference DRN4269912
21 Sep 2018 Express Finance (Bromley) Limited UpheldBanking and creditMr W is unhappy that Express Finance (Bromley) Limited trading as Payday Express gave him loans that were unaffordable.backgroundDuring 2013 Mr W borrowed seven loans from Payday Express as follows: Loan No DateAmountRepaid 1 08.05.13£46024.05.13 2 24.05.13£44025.06.13 3 26.... (4 pages)View decision -
Decision Reference DRN-2442000
15 Aug 2021 TFS Loans Limited UpheldConsumer CreditDRN-2442000 The complaint Mr H has complained that TFS Loans Limited (“TFS Loans”) provided him with an unaffordable loan. What happened TFS Loans provided Mr H with a loan of £7,500 in March 2018. This loan had a 48-months term with a monthly repayment amount of £288.13. This all meant th... (3 pages)View decision
