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 4764 results
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Decision Reference DRN6763949
11 Mar 2021 Loans 2 Go Limited UpheldBanking and creditIn summary, Mr S has complained that Loans 2 Go Limited provided him with a loan when he wasn’t able to afford it. background In September 2018 Loans gave Mr S a loan for £600 repayable over 18 months. It was a high interest loan with an interest rate of 989.9% APR. The total charge for th... (4 pages)View decision -
Decision Reference DRN-2433658
23 Dec 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2433658 The complaint Mr R complains that Provident Personal Credit Limited, trading as Satsuma, lent to him irresponsibly. Mr R added to his complaint points to include that he felt that Satsuma had refused him a repayment plan of £20, and later had recorded a default against him whic... (6 pages)View decision -
Decision Reference DRN-4195168
28 Jun 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4195168 The complaint Miss M complains that Barclays Bank UK PLC trading as Barclaycard lent to her irresponsibly. What happened In December 2012 Miss M applied for a credit card account with Barclaycard. Barclaycard approved the application and gave Miss M a card with an initial credi... (2 pages)View decision -
Decision Reference DRN8121571
8 May 2018 Provident Personal Credit Limited UpheldBanking and creditMr R complains that Provident Personal Credit Limited was irresponsible in granting him loans.backgroundThe adjudicator has set out the background in some detail in her opinion letter and I won’t repeat it here. In short, Mr R took out a number of loans with Provident ... (2 pages)View decision -
Decision Reference DRN-3161236
30 Nov 2021 TFS Loans Limited UpheldConsumer CreditDRN-3161236 The complaint Ms B complains that TFS Loans Limited (“TFS Loans”) lent her a loan she couldn’t afford. What happened The details of this complaint are well known to both parties, so I won’t repeat them all again here. TFS Loans lent Ms B a loan of £5,000 in January 2019, this i... (2 pages)View decision -
Decision Reference DRN9499034
16 Feb 2018 Gain Credit LLC Not upheldBanking and creditMiss B has complained that Gain Credit LLC, trading as Lending Stream (“Lending Stream”), provided several short term loans which were unaffordable for her.backgroundLending Stream says it agreed 42 loans for Miss B between October 2010 and December 2016. These loans ... (6 pages)View decision -
Decision Reference DRN4400181
2 May 2014 Clydesdale Bank Plc Not upheldBanking and creditMrs H and Mrs J complain that Clydesdale Bank Plc (trading as Yorkshire Bank) has refused to refund disputed transactions on their joint bank account. Mrs H and Mrs J want Yorkshire Bank to refund the money.backgroundDates are central to this complaint.Mrs H and her sister, Mrs J, ha... (2 pages)View decision -
Decision Reference DRN-5393420
14 Apr 2025 Salad Finance Limited Not upheldConsumer CreditDRN-5393420 The complaint Mr H complains that Salad Finance Limited lent to him irresponsibly. What happened In August 2023, Mr H took out a loan with Salad Finance for £500.00 over 12 months. The monthly repayment figure was £57.42. In March 2024, Mr H made an additional loan applica... (2 pages)View decision -
Decision Reference DRN-3148583
22 Nov 2021 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3148583 Complaint Mr S has complained that HSBC UK Bank Plc (“HSBC”) unfairly continued applying charges to his overdraft when it ought to have realised that it was irresponsible to continue providing it. Background One of our adjudicators looked at this complaint and HSBC shouldn’t h... (2 pages)View decision -
Decision Reference DRN0514231
2 Oct 2018 PDL Finance Limited Not upheldBanking and creditMs A complains that PDL Finance Limited (trading as Mr Lender) gave her loans that she couldn’t afford to repay.backgroundMs A was given three loans by Mr Lender between January 2017 and February 2018. Each of the loans was scheduled to be paid in instalments – the f... (2 pages)View decision
