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 DRN-2955987
28 Sep 2021 Everyday Loans Limited UpheldConsumer CreditDRN-2955987 The complaint Mr W has complained that Everyday Loans Limited (ELL) irresponsibly lent to him. What happened In July 2014 ELL agreed a loan of £8,000 to Mr W, to be repaid over 60 months. The monthly repayment was £257.28 and this loan remains outstanding. The purpose of this l... (3 pages)View decision -
Decision Reference DRN1426573
7 Sep 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr H complains that Express Finance (Bromley) Limited (trading as Payday Express) gave him loans that he couldn’t afford to pay back. backgroundMr H borrowed a total of six times from Payday UK between August 2012 and July 2014. Loan numberdate takenamount borrowed de... (3 pages)View decision -
Decision Reference DRN-3414522
30 May 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3414522 The complaint Mr K says AvantCredit of UK, LLC irresponsibly lent to him. What happened This complaint is about 3 loans provided by AvantCredit to Mr K between March 2016 and March 2017. Mr K’s borrowing history is as follows: Loan Date taken Amount Term Repayment 1 August 2019... (3 pages)View decision -
Decision Reference DRN-3570416
11 Oct 2022 Lloyds Bank PLC Not upheldConsumer CreditDRN-3570416 The complaint Mr D complains that Lloyds Bank PLC (“Lloyds”) lent to him irresponsibly when it gave him a loan that he says he couldn’t afford. What happened Mr D complained to this service about two separate loans provided to him by Lloyds; both loans were addressed in our inv... (3 pages)View decision -
Decision Reference DRN-6064434
17 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6064434 The complaint Mr D complains that NewDay Ltd, trading as BIP, lent to him irresponsibly, and then increased the credit limit on the account, without carrying out proper affordability checks. He would like all the interest and charges associated with the credit card account r... (3 pages)View decision -
Decision Reference DRN-4936134
31 Jul 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4936134 Complaint Miss S has complained about a personal loan Zopa Bank Limited (“Zopa”) which she says it unfairly lent to her. She says that she was heavily in debt to other creditors and sufficient checks would have shown that her financial situation was not right for further len... (3 pages)View decision -
Decision Reference DRN-4532285
15 May 2024 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-4532285 The complaint Mr W has complained that Clydesdale Bank PLC, trading as Virgin Money (“Clydesdale”), irresponsibly lent to him. What happened Mr W opened a credit card account with Clydesdale in September 2017 with an initial credit limit of £2,700. His credit limit was never in... (3 pages)View decision -
Decision Reference DRN-5738085
24 Nov 2025 Monzo Bank Ltd Not upheldConsumer CreditDRN-5738085 The complaint Mr E complains that Monzo Bank Ltd (Monzo) irresponsibly gave him a fixed sum loan agreement that he could not afford to repay. What happened In April 2022 Mr E applied for a fixed sum loan with Monzo. He was given a loan for £3,000. The total repayable, inclu... (3 pages)View decision -
Decision Reference DRN6956539
24 Oct 2017 Lending Stream Llc UpheldBanking and creditMr H complains that Lending Stream LLC lent him money he couldn’t afford to repay.backgroundMr H took out 10 instalment loans with Lending Stream between February 2016 and January 2017. He says he was trapped in a cycle of borrowing more each time to keep up with his r... (3 pages)View decision -
Decision Reference DRN3624856
18 Sep 2017 Active Securities Limited UpheldBanking and creditMr G complains that Active Securities Limited (trading as 247 Moneybox) gave him loans that he couldn’t afford to repay.backgroundMr G was given 25 loans by 247 Moneybox between October 2012 and April 2016. He was unable to repay many of his loans on time, so needed ... (4 pages)View decision