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-6004826
4 Feb 2026 PRA Group (UK) Limited Not upheldConsumer CreditDRN-6004826 The complaint Mr G complains PRA Group (UK) Limited have unfairly turned down his request to write off his debt with them. What happened As I understand it Mr G had a credit card account with a lender I’ll refer to as B. Mr G accumulated a debt on this account through compul... (3 pages)View decision -
Decision Reference DRN-4191741
21 Jun 2023 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-4191741 The complaint Mr K complains about a cash advance fee applied to his credit card by Clydesdale Bank Plc trading as Virgin Money. What happened Mr K has a credit card with Virgin Money. Last year, Virgin Money issued revised terms and conditions in relation to the credit card an... (3 pages)View decision -
Decision Reference DRN2836614
22 Mar 2018 Oakbrook Finance Limited Not upheldBanking and creditMr G complains that Oakbrook Finance Limited trading as Likely Loans (‘‘Oakbrook’’) lent to him irresponsibly because he was in financial difficulty at the time of applying for a loan. The amount Mr G says he applied for, and the amount Oakbrook lent him is also in d... (3 pages)View decision -
Decision Reference DRN-4246148
7 Dec 2023 My Finance Club Limited Not upheldConsumer CreditDRN-4246148 The complaint Mr E complains that My Finance Club Limited (“MFC”) gave him a loan without looking at his financial situation. Mr E says that, had it made better checks, it would’ve seen that he had a “bad credit record”. What happened Mr E was advanced one loan of £400 on 30 Ap... (3 pages)View decision -
Decision Reference DRN7538168
28 Mar 2019 Uncle Buck Finance LLP UpheldBanking and creditMr C complains that Uncle Buck Finance LLP, trading as Uncle Buck, (“UBF”), gave himloans that he couldn’t afford to repay.backgroundMr C took out three loans with UBF and details of these are shown below. The loans were allrepayable by three monthly instalments and h... (6 pages)View decision -
Decision Reference DRN-3063054
22 Sep 2021 Bamboo Limited UpheldConsumer CreditDRN-3063054 The complaint Mr M complained that Bamboo Limited irresponsibly provided him with unaffordable loans. What happened Bamboo provided Mr M with loans as follows: Date Amount Term Monthly Repayment Loan 1 22/10/2018 £2,000 24 months £138.19 Loan 2 14/05/2019 £635.10 additional fun... (6 pages)View decision -
Decision Reference DRN-4871227
25 Jun 2024 Admiral Financial Services Limited Not upheldConsumer CreditDRN-4871227 The complaint Mr M is complaining that Admiral Financial Services Limited trading as Admiral Money (Admiral) lent to him irresponsibly by providing him with a personal loan. What happened In January 2023, Admiral approved Mr M’s application for a £5,000 loan to consolidate his ... (5 pages)View decision -
Decision Reference DRN2749754
5 Feb 2019 Wageme.Com Limited UpheldBanking and creditMr E complains that WAGEME.COM LTD (“WCL”), gave him loans that he couldn’t afford to repay.backgroundMr E took 6 loans from WCL between June 2015 and September 2015 as follows:-Loan numberDate of LoanLoan repayment (including initial interest amount) Date repaid1.3/6/2015£... (5 pages)View decision -
Decision Reference DRN-4051099
21 Jun 2023 FUND OURSELVES LIMITED Not upheldConsumer CreditDRN-4051099 The complaint Mr D complins that FUND OURSELVES LIMITED trading as Fund Ourselves provided him with a loan he couldn’t afford to repay. What happened Fund Ourselves advanced Mr D a loan on 9 August 2020. The loan amount was £200, with an arrangement fee of £100, to be repaid in... (3 pages)View decision -
Decision Reference DRN-2784400
17 Jun 2021 Ferratum UK Ltd Not upheldConsumer CreditDRN-2784400 The complaint Mr G complains that Ferratum UK Ltd was irresponsible in its lending to him. What happened Mr G was provided with one loan by Ferratum in October 2018. The loan was for £200 with just under £250 repayable the following month. Mr G says that at the time of the loan... (3 pages)View decision