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-1699318
27 Mar 2020 Indigo Michael Limited UpheldConsumer CreditDRN-1699318 ComplaintMiss H has complained that Indigo Michael Limited (trading as Safety Net Credit (SNC)) irresponsibly lent to her which caused her to be financially dependent on its loans. Miss H says SNC should have noticed that the loans were increasing in size and her repeated use w... (6 pages)View decision -
Decision Reference DRN-4600375
11 Sep 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4600375 The complaint Mr G complains that Moneybarn No. 1 Limited (‘Moneybarn’) irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In November 2021, Mr G acquired a used car financed by a conditional sale agreement from Moneybarn. Mr G... (3 pages)View decision -
Decision Reference DRN1991796
23 Aug 2019 PDL Finance Limited UpheldBanking and creditMiss T says PDL Finance Limited (trading as “Mr Lender”) irresponsibly lent to her as it ought to have seen that she had previously had problems managing debt.backgroundThis complaint is about five High-Cost Short-Term Credit instalment loans Mr Lender provided to Miss T between November 2... (3 pages)View decision -
Decision Reference DRN-1862219
13 Sep 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-1862219 The complaint Ms F complains about Barclay Bank UK PLC’s decision to not refund her transactions which took place on her account in 2019 which she says she didn’t make or authorise. What happened Ms F opened an account with a betting website who I’ll refer to as ‘C’ in 2018. Sh... (5 pages)View decision -
Decision Reference DRN-3340908
28 Feb 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3340908 The complaint Mr S has complained that Lloyds Bank PLC (“Lloyds”) provided an overdraft to him that was unaffordable. What happened Mr S held a current account with Lloyds which had an overdraft attached to it. In May 2017, Lloyds approved an application from Mr S to increase t... (4 pages)View decision -
Decision Reference DRN-5737947
4 Nov 2025 Valour Finance Limited Not upheldConsumer CreditDRN-5737947 The complaint Mr F complains Valour Finance Limited trading as Savvy.co.uk (Savvy) irresponsibly lent to him. What happened The facts of this case are familiar to both sides. With that being the case, I won’t provide a detailed background here. Instead, I’ll provide a brief... (5 pages)View decision -
Decision Reference DRN-4159440
30 Aug 2023 PDL Finance Limited Not upheldConsumer CreditDRN-4159440 The complaint Mr K complains that PDL Finance Limited, trading as Mr Lender, lent to him when he could not afford it. He says that proper checks would have revealed he was a gambler and he had an Individual Voluntary Arrangement (IVA) in place. What happened Mr K took one loan ... (3 pages)View decision -
Decision Reference DRN8924781
26 Jan 2019 Nationwide Building Society Not upheldBanking and creditMr J complains that problems with Nationwide Building Society’s systems prevented him from making payments to place bets online which caused him financial loss.backgroundMr J attempted to make several payments to an online gambling account in November 2018 but the payme... (1 page)View decision -
Decision Reference DRN8978805
17 Jan 2019 Active Securities Limited UpheldBanking and creditMrs A complains that Active Securities Limited (trading as 247 Moneybox) gave her loans that she couldn’t afford to repay.backgroundMrs A borrowed seven loans from 247 Moneybox between March and October 2013. Mrs A’s repaid the first six loans but wasn’t able to repay t... (3 pages)View decision -
Decision Reference DRN8146427
21 Dec 2018 Gain Credit LLC Not upheldBanking and creditMr G complains about two instalment loans that he took out with Gain Credit LLC, trading as Lending Stream, (“LS”). The complaint is brought to this service on Mr G’s behalf by a firm of solicitors. But for ease I shall refer below to all actions being taken by Mr ... (3 pages)View decision