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 DRN1499237
23 Jan 2020 Emergency Cash Limited UpheldBanking and creditMr C says Emergency Cash Limited, trading as wizzcash.com (“ECL”) irresponsibly lent to him.backgroundThis complaint is about three instalment loans ECL provided to Mr C between March 2015 and October 2016. Mr C’s borrowing history is as follows:Mr C has said he should not have been given ... (3 pages)View decision -
Decision Reference DRN7279552
13 Dec 2016 PDL Finance Limited UpheldBanking and creditMiss S complains that PDL Finance Limited, trading as Mr Lender (PDL), gave her five instalment loans that were unaffordable.backgroundMiss S took five instalment loans with PDL between 28 May 2015 and 15 December 2015. date taken principal amount borrowed £ term of loan... (3 pages)View decision -
Decision Reference DRN1664834
7 Mar 2017 Cfo Lending Limited UpheldBanking and creditMr W complains that CFO Lending Limited gave him loans he couldn’t afford to pay back. backgroundMr W took out nine loans with CFO lending. Some of the loans were deferred and Mr W hasn’t yet repaid the last loan. date takenamountDeferrals/top upsDate repaid10 November... (3 pages)View decision -
Decision Reference DRN-5594478
18 Jul 2025 JAJA FINANCE LTD Not upheldBanking and PaymentsDRN-5594478 The complaint Mr C complains that JAJA FINANCE LTD’s, trading as JaJa Credit Card, decision to issue him with a credit card was irresponsible. What happened In May 2024, Mr C applied for a JAJA credit card. On 17 May 2024, JAJA opened an account and issued Mr C with a cred... (3 pages)View decision -
Decision Reference DRN-3894380
1 Feb 2023 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-3894380 The complaint Mr C complains that Tesco Personal Finance PLC trading as Tesco Bank (Tesco) didn’t support him as a vulnerable customer. What happened Mr C had a credit card from Tesco. Between August 2019 and September 2022, the limit was £9,500. In June 2022, he was charged a... (3 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 DRN1169680
12 Dec 2016 Lending Stream Llc Not upheldBanking and creditMr F complains about Lending Stream LLC providing him with 47 loans over an almost four year period. He says he couldn’t afford the loans and this should’ve been clear to Lending Stream when considering the loans. Mr F would like Lending Stream to refund the interest ... (6 pages)View decision -
Decision Reference DRN-5853296
10 Oct 2025 TSB Bank plc UpheldBanking and PaymentsDRN-5853296 The complaint Mr V complains TSB Bank plc isn’t helping him despite the fact that he’s not been able to receive one-time passcodes since 28 February 2025. What happened Mr V has an account with TSB and has done so for almost 13 years. Mr V says he’s been living abroad for at... (3 pages)View decision -
Decision Reference DRN-3463409
5 May 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3463409 The complaint Mr E complains through his representative that Everyday Lending Limited lent him money on a high interest loan which he was unable to afford to repay. What happened Everyday provided Mr E with a loan on 28 January 2019, for £5,500, repayable in 36 monthly instalme... (4 pages)View decision -
Decision Reference DRN3779474
24 Feb 2020 Gain Credit LLC Not upheldBanking and creditMr A says Gain Credit LLC (trading as ‘Lending Stream’) gave him loans that he couldn’t afford.backgroundLending Stream gave Mr A four instalment loans between September 2017 and January 2018. Here’s a table showing the loan details:LoanDateTakenDateRepaidInstalmentsAmountCombined Highest... (4 pages)View decision
