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
-
Decision Reference DRN-1855993
22 Jun 2020 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-1855993 The complaintMr G complains that Creation Consumer Finance Ltd mis-sold him a £20,000 loan without checking that he could afford it. What happenedIn December 2018 Mr G borrowed £20,000 from Creation. He was to repay £438 a month for five years. He made one repayment, and then s... (3 pages)View decision -
Decision Reference DRN-5886255
16 Oct 2025 Tesco Personal Finance Limited Not upheldBanking and PaymentsDRN-5886255 The complaint Mrs N on behalf of Mr N complains that Tesco Personal Finance Limited (Tesco) lent to him irresponsibly. What happened Mr N opened a credit card account with Tesco in March 2024 with a credit limit of £10,100. This card had a promotional offer of a 0% interest ... (3 pages)View decision -
Decision Reference DRN-4883358
22 Jul 2024 Bank of Scotland Plc Not upheldConsumer CreditDRN-4883358 The complaint Mr O complains that in 2017 Bank of Scotland plc, trading as Halifax, lent to him without doing the right checks. He says he had other debt which Halifax ought to have known about. Mr O says that Halifax did not account for his mental health at the time and an... (6 pages)View decision -
Decision Reference DRN-4742046
30 Apr 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4742046 The complaint Mr P complains that Monzo Bank Ltd irresponsibly gave him a credit card account that he couldn’t afford to repay What happened Mr P held a current account with Monzo. In February 2022, he applied for a credit card that would be linked to his current account. Monzo... (6 pages)View decision -
Decision Reference DRN-3142709
10 Feb 2022 Lendable Ltd Not upheldConsumer CreditDRN-3142709 The complaint Mr J has complained that Lendable Ltd was irresponsible in lending to him. What happened In May 2019 Mr J took out a loan with Lendable for £2,950. He said the loan was to consolidate his debts. The loan was taken out over 18 months with an APR of 31.14% and his m... (3 pages)View decision -
Decision Reference DRN3078439
22 Nov 2016 Monkey Dosh Ltd UpheldBanking and creditMr W has complained that Monkey Dosh Ltd lent to him irresponsibly.backgroundMr W took out five loans with Monkey Dosh between 8 August 2011 and 5 December 2013. These were as follows: loan 1: £150.00 taken out on 8 August 2011 and repaid on 31 August 2011; loan 2... (3 pages)View decision -
Decision Reference DRN-5865586
11 Dec 2025 Plata Finance Limited Not upheldConsumer CreditDRN-5865586 Complaint Miss B has complained about a loan Plata Finance Limited (“Plata”) provided to her. She says the loan was unaffordable and so shouldn’t have been provided. Background Plata provided Miss B with a loan for £2,000.00 in April 2024. This loan was due to be repaid in ... (3 pages)View decision -
Decision Reference DRN-3167884
6 Jan 2022 TFS Loans Limited UpheldConsumer CreditDRN-3167884 The complaint Mr M complains that TFS Loans Limited lent to him in an irresponsible manner. What happened Mr M was given a single loan by TFS in March 2017. He borrowed £7,500 and agreed to repay the loan in 48 monthly instalments. Mr M repaid his loan in December 2020. Mr M’s ... (3 pages)View decision -
Decision Reference DRN-4414608
13 Nov 2023 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-4414608 The complaint Mr P complains that Tesco Personal Finance PLC trading as Tesco Bank (‘Tesco Bank’) irresponsibly gave a loan that he couldn’t afford. What happened In July 2016 Mr P asked for and was given a loan for £6,000 which had a term of five years. The purpose of the loan... (3 pages)View decision -
Decision Reference DRN9896788
12 Apr 2019 Casheuronet UK LLC UpheldBanking and creditMr H has complained about short-term loans granted to him by CashEuroNet UK LLC trading as “QuickQuid”. Mr H says he couldn’t afford these loans and that QuickQuid didn’t take appropriate steps to check whether he could afford them when he took them out. backgroundQuickQu... (5 pages)View decision