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 DRN1743889
13 May 2019 Lloyds Bank PLC Not upheldBanking and creditMr M complains about charges Lloyds Bank PLC (“Lloyds”) applied to his current account which contributed to his financial difficulties.backgroundI set out the background to this complaint and my provisional findings by way of a provisional decision – a copy of which is ... (4 pages)View decision -
Decision Reference DRN4839269
1 Aug 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr K complains that CURO Transatlantic Limited trading as Wage Day Advance (WDA) gave him unaffordable payday loans and an instalment loan.backgroundA summary of Mr K’s borrowing history is as follows;loan numberloan amountreceived date actual repayment date 1 £120.00... (4 pages)View decision -
Decision Reference DRN9725286
25 Jan 2018 Lending Stream Llc UpheldBanking and creditMr S complains Lending Stream LLC lent to him irresponsibly.backgroundMr S took out seven loans with Lending Stream between November 2012 and January 2017. I’ve included some of the information we’ve received about these loans in the table below:LoanDate Date paidAdvance Hi... (4 pages)View decision -
Decision Reference DRN-4258659
14 Dec 2023 Valour Finance Limited Not upheldConsumer CreditDRN-4258659 The complaint Mr B complains Valour Finance Limited trading as Savvy.co.uk (Valour) provided him with loans without carrying out appropriate affordability checks. What happened Mr B received two loans from Valour; 1. £400 loan on 29 June 2021 payable in 6 monthly instalments. 5... (4 pages)View decision -
Decision Reference DRN-4687579
16 Mar 2024 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-4687579 The complaint Miss F complains that Moneybarn No.1 Limited trading as Moneybarn acted unfairly in agreeing to a loan which she said was unaffordable for her. Miss F is represented by a third party but for ease of reading I will only refer to Miss F in my decision. What happened... (4 pages)View decision -
Decision Reference DRN-2433658
23 Dec 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2433658 The complaint Mr R complains that Provident Personal Credit Limited, trading as Satsuma, lent to him irresponsibly. Mr R added to his complaint points to include that he felt that Satsuma had refused him a repayment plan of £20, and later had recorded a default against him whic... (6 pages)View decision -
Decision Reference DRN2821302
6 Mar 2018 Evergreen Finance London Ltd Not upheldBanking and creditMr W complains that Evergreen Finance London Limited (trading as Moneyboat) gave him loans that he couldn’t afford to repay.backgroundMr W was given three loans by Moneyboat between April 2016 and April 2017. Each of his loans was repayable in six monthly instalments, and... (2 pages)View decision -
Decision Reference DRN0255376
22 Nov 2016 Cashbridge Corporation Ltd UpheldBanking and creditMr A complains that Cashbridge Corporation Ltd (trading as Credio) was irresponsible to lend him money when he already had multiple payday loans with other companies.backgroundMr A says he was using payday loans in order to maintain his mortgage repayments. Credio ag... (2 pages)View decision -
Decision Reference DRN-5381091
29 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5381091 The complaint Mr K complains that Vanquis Bank Limited irresponsibly lent to him. Mr K is represented by a solicitor’s firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr K himself. What happe... (2 pages)View decision -
Decision Reference DRN-2607146
11 Mar 2021 Lloyds Bank PLC Not upheldInvestmentsDRN-2607146 The complaint Mr and Mrs D, represented by a claims management company (CMC), complain that they were mis-sold a Guaranteed Stock Market Bond (GSMB) by Lloyds Bank PLC. What happened In 1997 Mr and Mrs D were advised to invest £5,000 in the GSMB. It was for a five-year term and... (3 pages)View decision
