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-2442000
15 Aug 2021 TFS Loans Limited UpheldConsumer CreditDRN-2442000 The complaint Mr H has complained that TFS Loans Limited (“TFS Loans”) provided him with an unaffordable loan. What happened TFS Loans provided Mr H with a loan of £7,500 in March 2018. This loan had a 48-months term with a monthly repayment amount of £288.13. This all meant th... (3 pages)View decision -
Decision Reference DRN5602519
21 Feb 2018 Gain Credit LLC Not upheldBanking and creditMr D complains that Lending Stream LLC lent him money he couldn’t afford to repay.backgroundMr D took out 8 instalment loans with Lending Stream between April 2013 and January 2017.No.Borrowing DateRepayment dateLoan AmountNumber of Instalments Maximum combined monthly in... (4 pages)View decision -
Decision Reference DRN-4036311
28 Apr 2023 Evergreen Finance London Limited UpheldConsumer CreditDRN-4036311 The complaint Mr S complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (MoneyBoat) gave him loans that weren’t affordable. What happened Mr S was advanced 12 instalment loans by MoneyBoat, and a summary of his borrowing follows in the table below. loan nu... (5 pages)View decision -
Decision Reference DRN8204515
11 Sep 2017 Casheuronet UK LLC Not upheldBanking and creditMr C complains that CashEuroNet UK LLC, trading as Pounds to Pocket, gave him loans he couldn’t afford to repay.backgroundMr C took out four instalment loans with Pounds to Pocket: loan one in March 2013, loan two in May 2013, loan three in September 2013 and loan... (6 pages)View decision -
Decision Reference DRN9584983
13 Aug 2018 Instant Cash Loans Limited Not upheldBanking and creditMr S complains that Instant Cash Loans Limited, trading as Payday UK, approved loans he applied for which were unaffordable and it was irresponsible of Payday UK to do that. backgroundMr S applied for and was approved for several loans and I set out three of them h... (5 pages)View decision -
Decision Reference DRN1787156
22 May 2020 Marks & Spencer Financial Services plc Not upheldBanking and creditMs C is unhappy that Marks & Spencer Financial Services Plc t/a M&S Bank has rejected her chargeback request. She wants M&S to refund her for a number of disputed transactions.backgroundMs C set up a trading account with a third party. This third party supposedly claimed to be ... (2 pages)View decision -
Decision Reference DRN-4947687
5 Aug 2024 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4947687 The complaint Mr H is being represented by solicitors. He’s complaining about Lloyds Bank PLC because he says it lent irresponsibly by providing him with an overdraft, increasing the limit and then allowing him to continue relying on this form of high-cost credit. What happe... (4 pages)View decision -
Decision Reference DRN-4303437
11 Sep 2023 Nationwide Building Society UpheldBanking and PaymentsDRN-4303437 The complaint Mr R has complained that Nationwide Building Society (“Nationwide”) acted irresponsibly by agreeing an overdraft and two loans for him over a short period of time. What happened Mr R applied and was approved for an overdraft of £2,500 on 22 May 2022. In the month ... (3 pages)View decision -
Decision Reference DRN-3450369
2 Dec 2022 American Express Services Europe Limited (AESEL) UpheldBanking and PaymentsDRN-3450369 The complaint Mr M complains that American Express Services Europe Limited (AESEL) lent to him irresponsibly. What happened In July 2019, Mr M applied for and received, a credit card from AESEL. It initially had a credit limit of £3,000. According to his credit file, this limit... (3 pages)View decision -
Decision Reference DRN-4284869
7 Aug 2023 Nationwide Building Society Not upheldConsumer CreditDRN-4284869 The complaint Mr F complains that Nationwide Building Society was irresponsible in its lending to him. What happened Mr F was provided with a £10,000 loan by Nationwide in August 2020. The loan term was 84 months, and he was required to make monthly repayments of around £143. T... (3 pages)View decision
