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-5427730
23 Jul 2025 Sky UK Limited Not upheldConsumer CreditDRN-5427730 The complaint Mr W has complained that Sky UK Limited (“Sky”) acted irresponsibly when it provided him with four individual mobile devices, with four separate fixed sum loan agreements, all taken out in July 2024. What happened Mr W applied for four separate contracts for f... (3 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-4378936
5 Oct 2023 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4378936 The complaint Miss O complains that Tesco Personal Finance PLC, trading as Tesco Bank, irresponsibly increased her credit limit on a credit card she held with it. What happened Tesco provided Miss O with a credit card in September 2019 for £1,300. In April 2020, the credit limi... (5 pages)View decision -
Decision Reference DRN2645060
16 Jul 2018 Blemain Finance Limited Not upheldBanking and creditMr Y complains that Blemain Finance Limited gave him two secured loans that he couldn’t afford to repay. He’s also unhappy with the actions it’s taken in trying to recover the outstanding amounts.backgroundIn July 2014, Mr Y applied for a secured loan through a broker w... (4 pages)View decision -
Decision Reference DRN9618176
2 Jun 2017 Apfin Ltd UpheldBanking and creditMr C has complained about short-term loans granted to him by Apfin Ltd trading as cashasap.co.uk (“Apfin” or “the lender”).backgroundThe background to the complaint was set out in my provisional decision dated 3 May 2017, a copy of which is attached and forms part of... (5 pages)View decision -
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 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 DRN2667676
18 Sep 2017 Capital One (Europe) plc Not upheldBanking and creditMr E complains that Capital One (Europe) plc won’t refund money he lost on a binary options trading website.backgroundIn January 2017 Mr E used his Capital One credit card to make three payments totalling £4,500 to his online account with a binary options trading ... (3 pages)View decision -
Decision Reference DRN-2743302
21 Sep 2021 TFS Loans Limited UpheldConsumer CreditDRN-2743302 The complaint Mr V has complained that TFS Loans Limited (“TFS Loans”) provided him with an unaffordable loan. What happened TFS Loans provided Mr V with a loan of £7,500.00 in June 2017. This loan had a 48- months term with a monthly repayment amount of £3127.75. This all mea... (3 pages)View decision -
Decision Reference DRN-3033965
22 Sep 2021 Evergreen Finance London Limited Not upheldConsumer CreditDRN-3033965 The complaint Mr C complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (‘MoneyBoat’) was irresponsible in its lending to him. What happened MoneyBoat provided Mr C with a loan for £400 in March 2020. The loan was repayable over four monthly instalments of... (3 pages)View decision
