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
-
Decision Reference DRN-4536793
8 Jan 2024 FirstRand Bank Limited Not upheldConsumer CreditDRN-4536793 Complaint Miss W complains that FirstRand Bank Limited (trading as “MotoNovo” Finance) unfairly entered into a hire-purchase agreement with her. She’s said the payments to her agreement were unaffordable and so it shouldn’t have been provided to her. Background In February 2018... (3 pages)View decision -
Decision Reference DRN-3599348
31 Oct 2022 Progressive Money Limited UpheldConsumer CreditDRN-3599348 The complaint Mr M complains that Progressive Money Limited (PML) lent to him irresponsibly. What happened Using information provided to us by PML, Mr M was approved for a £10,000 loan in November 2017. The repayments over ten years were just over £300 each month for 120 months... (12 pages)View decision -
Decision Reference DRN6292245
31 Oct 2019 MYJAR Limited UpheldBanking and creditMiss G complains that MYJAR Limited gave her loans that she couldn’t afford.backgroundMiss G took out three short term loans with MYJAR. Loans 1 and 2 were repayable by three monthly instalments. Loan 3 was repayable by 12 monthly instalments. Loan 3 hasn’t been repaid. Miss G’s loan histo... (6 pages)View decision -
Decision Reference DRN-4401690
16 Feb 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-4401690 The complaint Mr D complains TSB Bank plc said he went overdrawn on his current account but couldn’t explain how. He’s also unhappy at them asking him to repay the balance. And he’s unhappy they’ve subsequently closed his account while reporting negative information. What happe... (5 pages)View decision -
Decision Reference DRN-5696365
9 Oct 2025 Gain Credit LLC UpheldConsumer CreditDRN-5696365 The complaint Mr B complains that Gain Credit LLC trading as Lending Stream lent to him when he could not afford it. He says that he had gambling issues and lived in his overdraft for years. Better checks by Lending Stream would have shown this and it would not have lent to ... (5 pages)View decision -
Decision Reference DRN8790079
10 Oct 2017 Provident Personal Credit Limited Not upheldBanking and creditMr P complains that Provident Personal Credit Limited lent him money irresponsibly.backgroundThe background to this complaint and my provisional findings are set out in my provisional decision dated 19 July 2017 – a copy is attached and this forms part of my final d... (7 pages)View decision -
Decision Reference DRN-3118142
20 Oct 2021 TFS Loans Limited UpheldConsumer CreditDRN-3118142 The complaint Miss K complains that TFS Loans Limited trading as TFS Loans irresponsibly provided her with an unaffordable loan. What happened TFS provided Miss K with a loan as follows: Miss K mainly said that TFS didn’t check properly before providing the loan. She soon ran i... (6 pages)View decision -
Decision Reference DRN2821302
6 Mar 2018 Evergreen Finance London Ltd Not upheldBanking and creditMr W complains that Evergreen Finance London Limited (trading as Moneyboat) gave him loans that he couldn’t afford to repay.backgroundMr W was given three loans by Moneyboat between April 2016 and April 2017. Each of his loans was repayable in six monthly instalments, and... (2 pages)View decision -
Decision Reference DRN0255376
22 Nov 2016 Cashbridge Corporation Ltd UpheldBanking and creditMr A complains that Cashbridge Corporation Ltd (trading as Credio) was irresponsible to lend him money when he already had multiple payday loans with other companies.backgroundMr A says he was using payday loans in order to maintain his mortgage repayments. Credio ag... (2 pages)View decision -
Decision Reference DRN-2935359
8 Sep 2021 Oplo PL Ltd UpheldConsumer CreditDRN-2935359 The complaint Mr F has complained Oplo PL Ltd has lodged a fraud-related marker against his name. Mr F is represented in his complaint by his wife, Mrs F. What happened After having a loan application turned down by Oplo, Mr F found out a CIFAS marker was lodged against his nam... (2 pages)View decision
