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
-
Decision Reference DRN-4008274
24 May 2023 Shelby Finance Ltd Not upheldConsumer CreditDRN-4008274 The complaint Mr S complains that Shelby Finance Ltd trading as Dot Dot Loans (Shelby) lent to him irresponsibly. What happened Mr S took three loans. Here is a brief table. Loan Date Taken Date Repaid Term - months Loan amount Monthly repayment Total + int 1 23/02/21 26/02/21 ... (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 DRN7014570
16 Dec 2019 Lloyds Bank PLC UpheldBanking and creditMr L complains about the service he received from Lloyds Bank PLC (Lloyds). He says Lloyds did not allow him, as his mother’s attorney, access to her account, because he is a non-UK resident, and secondly that Lloyds had no procedure to detect unusual activity on her accounts, which led to... (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 -
Decision Reference DRN-4107771
2 Jun 2023 Loans 2 Go Limited Not upheldConsumer CreditDRN-4107771 The complaint Mr H complains that Loans 2 Go Limited lent to him irresponsibly. What happened In September 2021, Mr H applied for and received the following loan from Loans 2 Go: Date Amount Term Monthly repayment Interest rate (APR) Total repayable 29 Sept 2021 £800 18 months ... (3 pages)View decision -
Decision Reference DRN6962319
19 Dec 2019 Provident Personal Credit Limited UpheldBanking and creditMr R says Provident Personal Credit Limited (trading as Satsuma) irresponsibly lent to him.backgroundThis complaint is about three instalment loans Satsuma provided to Mr R between March 2017 and August 2017. Mr R’s borrowing history is as follows: Loan Date TakenDate Repaid InstalmentsAmo... (4 pages)View decision -
Decision Reference DRN-3931206
23 Feb 2023 Loans 2 Go Limited UpheldConsumer CreditDRN-3931206 The complaint Mr C complains Loans 2 Go Limited (‘L2G’) irresponsibly lent to him. What happened L2G approved Mr C for a £1,000 in January 2021. The term of the loan was 18 months, with repayments of approximately £230 per month. The APR on the loan was over 1,000%. Mr C says t... (3 pages)View decision -
Decision Reference DRN-2953686
12 Aug 2021 Oakbrook Finance Limited UpheldConsumer CreditDRN-2953686 The complaint Mr P says Oakbrook Finance Limited (trading as Likely Loans) lent to him irresponsibly. What happened Mr P took out two loans from Likely Loans as summarised below. He says the lender failed to ask for enough information, so its checks were insufficient. Had it do... (3 pages)View decision
