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 DRN1912278
22 Aug 2016 Indigo Michael Limited UpheldBanking and creditMr M complains that Indigo Michael trading as SafetyNetCredit (‘SafetyNetCredit’) lent to him irresponsibly.backgroundThe background to this complaint, and my initial conclusions, were set out in my provisional decision dated 4 July 2016 – a copy of which is attached ... (5 pages)View decision -
Decision Reference DRN7381992
5 Jan 2018 Ausgroup Limited Not upheldBanking and creditMrs H has complained that Ausgroup Limited trading as Cash Converters (“Cash Converters or Ausgroup”) provided several loans that were unaffordable for her.backgroundI issued a provisional decision, in November 2017 explaining why I was intending to partially uphold Mrs H... (7 pages)View decision -
Decision Reference DRN-3664619
24 Nov 2022 Gain Credit LLC UpheldConsumer CreditDRN-3664619 The complaint Mr V says Gain Credit LLC (trading as Drafty) gave him a line of credit he couldn’t afford to repay. Mr V went on to say that Drafty didn’t carry out appropriate affordability checks and therefore failed to identify he was stuck in a cycle of borrowing. What happ... (7 pages)View decision -
Decision Reference DRN-1835400
18 May 2020 Lloyds Bank PLC UpheldBanking and PaymentsDRN-1835400ComplaintMr D has complained about the overdraft on his Lloyds Bank PLC (“Lloyds”) bank account. He’s said that he had a gambling problem, between 2013 and 2018, which ought to have been apparent from his statements. And in these circumstances, it was unfair to lend to him, let ... (14 pages)View decision -
Decision Reference DRN1551924
17 Jan 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr Y complains that Express Finance (Bromley) Limited (trading as Payday Express) shouldn’t have provided him with loans which he says were unaffordable.backgroundMr Y complained to Payday Express about the loans he’d been provided with. It issued a final response to M... (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 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 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 DRN9692182
9 Jan 2019 Western Circle Limited Not upheldBanking and creditMr T says Western Circle Limited, trading as Cashfloat, lent to him irresponsibly.backgroundI sent both parties my provisional decision on this complaint on 18 December 2018. A copy of it is attached and it forms part of this final decision. I explained why I wasn’... (6 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
