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 DRN-3288120
24 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3288120 The complaint Ms W is complaining that AvantCredit of UK, LLC irresponsibly lent to her. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. The facts are not in dispute, so I’ll focus on giving the reasons for my decis... (2 pages)View decision -
Decision Reference DRN-2315325
26 Nov 2020 NewDay Ltd UpheldBanking and PaymentsDRN-2315325 The complaint Mr T says that NewDay Ltd trading as Aqua (Aqua) lent to him irresponsibly when it increased his credit limits four times over a 14 month period. Mr T wants a refund of all interest paid and any late payment charges. What happened Aqua opened Mr T’s account in Dec... (5 pages)View decision -
Decision Reference DRN-4536793
8 Jan 2024 FirstRand Bank Limited Not upheldConsumer CreditDRN-4536793 Complaint Miss W complains that FirstRand Bank Limited (trading as “MotoNovo” Finance) unfairly entered into a hire-purchase agreement with her. She’s said the payments to her agreement were unaffordable and so it shouldn’t have been provided to her. Background In February 2018... (3 pages)View decision -
Decision Reference DRN5345923
7 Mar 2018 Gain Credit LLC Not upheldBanking and creditMr D complains that Lending Stream LLC was irresponsible to lend him money.background Mr D had ten six-month instalment loans from Lending Stream between April 2015 and February 2017 as follows:Loan Date Amount DueRepaid Notes 123 Apr 2015£20030 Oct 20151 Oct 2015216 Jul 20... (3 pages)View decision -
Decision Reference DRN-3491291
20 May 2022 Shelby Finance Ltd UpheldConsumer CreditDRN-3491291 The complaint Mr W complains that the loans he had from Shelby Finance Ltd (trading as Dot Dot Loans) were unaffordable. What happened Mr W had five loans from Dot Dot Loans between February 2020 and November 2021 as follows: Loan Date Amount Term Monthly Repayment Due Repaid 1... (3 pages)View decision -
Decision Reference DRN-3142709
10 Feb 2022 Lendable Ltd Not upheldConsumer CreditDRN-3142709 The complaint Mr J has complained that Lendable Ltd was irresponsible in lending to him. What happened In May 2019 Mr J took out a loan with Lendable for £2,950. He said the loan was to consolidate his debts. The loan was taken out over 18 months with an APR of 31.14% and his m... (3 pages)View decision -
Decision Reference DRN3078439
22 Nov 2016 Monkey Dosh Ltd UpheldBanking and creditMr W has complained that Monkey Dosh Ltd lent to him irresponsibly.backgroundMr W took out five loans with Monkey Dosh between 8 August 2011 and 5 December 2013. These were as follows: loan 1: £150.00 taken out on 8 August 2011 and repaid on 31 August 2011; loan 2... (3 pages)View decision -
Decision Reference DRN6292245
31 Oct 2019 MYJAR Limited UpheldBanking and creditMiss G complains that MYJAR Limited gave her loans that she couldn’t afford.backgroundMiss G took out three short term loans with MYJAR. Loans 1 and 2 were repayable by three monthly instalments. Loan 3 was repayable by 12 monthly instalments. Loan 3 hasn’t been repaid. Miss G’s loan histo... (6 pages)View decision -
Decision Reference DRN-4401690
16 Feb 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-4401690 The complaint Mr D complains TSB Bank plc said he went overdrawn on his current account but couldn’t explain how. He’s also unhappy at them asking him to repay the balance. And he’s unhappy they’ve subsequently closed his account while reporting negative information. What happe... (5 pages)View decision -
Decision Reference DRN-5696365
9 Oct 2025 Gain Credit LLC UpheldConsumer CreditDRN-5696365 The complaint Mr B complains that Gain Credit LLC trading as Lending Stream lent to him when he could not afford it. He says that he had gambling issues and lived in his overdraft for years. Better checks by Lending Stream would have shown this and it would not have lent to ... (5 pages)View decision
