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-3161114
8 Dec 2021 Buffa Loans Ltd UpheldConsumer CreditDRN-3161114 The complaint Mr M complains that Buffa Loans Ltd (trading as ‘Buffa’) lent to him irresponsibly. What happened This complaint is about loans Buffa provided to Mr M as follows: Loan Date Taken Date Repaid Instalments Amount Highest Repayment 1 4/01/2020 9/03/2020 3 £200.00 £95.... (4 pages)View decision -
Decision Reference DRN-5726894
18 Aug 2025 Lendable Ltd UpheldConsumer CreditDRN-5726894 The complaint Mr M complains that Lendable Ltd (“Lendable”) lent to him in an irresponsible manner. What happened Mr M was given a single loan by Lendable in September 2018. Including fees, he borrowed a total of £12,490 that he agreed to repay in 60 monthly instalments of ... (4 pages)View decision -
Decision Reference DRN-5424264
24 Sep 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5424264 The complaint Mr P complains that Moneybarn No. 1 Limited trading as Moneybarn (Moneybarn) failed to undertake a reasonable assessment of his creditworthiness, prior to lending to him. Mr P is represented in this complaint by a claims management company but, for ease, I’ll r... (5 pages)View decision -
Decision Reference DRN-5139730
12 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5139730 The complaint Mr M is complaining about NewDay Ltd because he says it lent irresponsibly by providing him with three separate credit cards and increasing the credit limit on each account. What happened Mr M opened the following credit card accounts with NewDay: Aqua – ope... (5 pages)View decision -
Decision Reference DRN-3479502
13 May 2022 John Lewis Financial Services Limited UpheldBanking and PaymentsDRN-3479502 The complaint Mr R complains that John Lewis Financial Services Limited refuses to refund money he lost to a binary options investment scammer. What happened Mr R saw Greenfields Capital (GC) on a social media advert. He left his contact details on their webform and a broker re... (5 pages)View decision -
Decision Reference DRN-3543721
15 Jun 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3543721 The Complaint Mr J says that Everyday Lending Limited (trading as Everyday Loans) (the ‘Business’) lent to him irresponsibly when he was granted a personal loan on 23 May 2012. Background to the Complaint The Business provided Mr J with a £3,000 loan (the ‘Primary Loan’). It ha... (6 pages)View decision -
Decision Reference DRN-5116621
5 Dec 2024 Gain Credit LLC Not upheldConsumer CreditDRN-5116621 The complaint Mr L complains that Gain Credit LLC trading as Lending Stream (“Lending Stream”) lent to him without carrying out sufficient checks. What happened Mr L was advanced one loan of £250 on 8 December 2023. Mr L was due to make five monthly repayments of £83.86 foll... (4 pages)View decision -
Decision Reference DRN-5433546
9 Apr 2025 Tandem Home Loans Ltd UpheldMortgagesDRN-5433546 The complaint Ms C says that a secured (second charge) loan she took out in 2021 with Tandem Home Loans Ltd trading as Oplo was unaffordable and irresponsibly lent. What happened Ms C applied for this loan in January 2021 through an independent mortgage broker. The offer iss... (4 pages)View decision -
Decision Reference DRN-4320218
11 Mar 2024 The Co-operative Bank Plc Not upheldBanking and PaymentsDRN-4320218 The complaint Mr A has complained that The Co-operative Bank Plc (‘The Co-op’) blocked his account without providing a reason why. He wants his account reopened and for the funds that were in it to be returned to him. What happened In November 2022 Mr A called The Co-op in orde... (3 pages)View decision -
Decision Reference DRN-5775543
3 Dec 2025 Inclusive Finance Limited Not upheldConsumer CreditDRN-5775543 The complaint Miss F says Inclusive Finance Limited, trading as Creditspring, irresponsibly lent to her. What happened Miss F entered into three credit agreements with Creditspring. They worked on a membership basis, so each month Miss F paid a fee which gave her access to a... (3 pages)View decision