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 4744 results
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Decision Reference DRN-3362553
10 Mar 2022 TSB Bank plc UpheldBanking and PaymentsDRN-3362553 The complaint Mr S complains that TSB Bank plc has refused to refund transactions he thought he was making to a binary options company called Golden Markets, which he says turned out to be fraudulent. What happened The circumstances of this complaint are well known to both part... (6 pages)View decision -
Decision Reference DRN-5431309
28 Mar 2025 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-5431309 The complaint Mr G complains through a representative that Specialist Motor Finance Limited (“SMF”) failed to conduct sufficient checks into his financial position before it lent to him. What happened In September 2019, SMF provided Mr G with a hire purchase agreement for a... (4 pages)View decision -
Decision Reference DRN-2477098
5 Jan 2021 TFS Loans Limited UpheldConsumer CreditDRN-2477098 The complaint Mrs M has complained that TFS Loans Limited (“TFS” or “the lender”) should not have agreed a guarantor loan for her in November 2014. What happened TFS agreed a loan of £7,500 for Mrs M on the 24 November 2014. The monthly repayment was £288 over a term of four ye... (4 pages)View decision -
Decision Reference DRN-3363255
1 Apr 2022 Gain Credit LLC Not upheldConsumer CreditDRN-3363255 The complaint Miss V complained that Gain Credit LLC (trading as ‘Lending Stream’) provided her with unaffordable loans. What happened Miss V complained about four instalment loans she took out with Lending Stream. Here’s a table showing the main loan details: Loan No: Date Tak... (4 pages)View decision -
Decision Reference DRN-3179064
24 Nov 2021 Madison CF UK Limited UpheldConsumer CreditDRN-3179064 The complaint Mr E complains that Madison CF UK Limited (trading as 118118 Money) irresponsibly provided him with an unaffordable loan. What happened 118118 Money provided Mr E with a loan as follows: Date loan taken Amount Term Monthly repayment Loan status 15/09/2017 £1,000 2... (4 pages)View decision -
Decision Reference DRN-2750504
13 May 2021 Oplo PL Ltd UpheldConsumer CreditDRN-2750504 The complaint Mr H says he was given loans that he couldn’t afford by 1st Stop Personal Loans Limited (this was a trading name used at the time by a business called Oplo PL Ltd). What happened 1st Stop gave Mr H two loans as follows: Loan Date Taken Date Repaid Instalments Amou... (4 pages)View decision -
Decision Reference DRN-3398887
23 May 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3398887 The complaint Miss H complains Everyday Lending Limited irresponsibly lent to her when she couldn’t afford the loan(s). What happened In February 2015, Miss H took out a loan with Everyday for £5,195.99 payable over 36 months with a monthly repayment of £276.43. Miss H said the... (4 pages)View decision -
Decision Reference DRN-2003769
4 Aug 2021 Advancis Limited UpheldConsumer CreditDRN-2003769 The complaint Mr B complains that a loan given to him by Advancis Limited trading as Buddy Loans was unaffordable for him. What happened In April 2019, Mr B applied for – and was given – a loan of £4,250. It was to be repaid in 48 instalments of around £182 per month with a tot... (4 pages)View decision -
Decision Reference DRN-3061393
21 Sep 2021 Secure Trust Bank Plc UpheldConsumer CreditDRN-3061393 The complaint Miss L has complained that Secure Trust Bank Plc lent to her irresponsibly. What happened In 2015, Miss L took out an unsecured loan with Secure Trust for a total of approximately £8,200 over 36 months. In 2016, she rolled it into a new Secure Trust unsecured loan... (4 pages)View decision -
Decision Reference DRN2506680
15 Nov 2019 National Westminster Bank Plc Not upheldBanking and creditMr B and Mr R complain that National Westminster Bank Plc (NatWest) treated them unfairly by closing their joint current account.BackgroundOn 19 March 2019, NatWest sent letters to Mr B and Mr R separately. Both letters listed their joint current account ending 1740 and said:“We, National ... (2 pages)View decision
