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 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 DRN5345923
7 Mar 2018 Gain Credit LLC Not upheldBanking and creditMr D complains that Lending Stream LLC was irresponsible to lend him money.background Mr D had ten six-month instalment loans from Lending Stream between April 2015 and February 2017 as follows:Loan Date Amount DueRepaid Notes 123 Apr 2015£20030 Oct 20151 Oct 2015216 Jul 20... (3 pages)View decision -
Decision Reference DRN-3491291
20 May 2022 Shelby Finance Ltd UpheldConsumer CreditDRN-3491291 The complaint Mr W complains that the loans he had from Shelby Finance Ltd (trading as Dot Dot Loans) were unaffordable. What happened Mr W had five loans from Dot Dot Loans between February 2020 and November 2021 as follows: Loan Date Amount Term Monthly Repayment Due Repaid 1... (3 pages)View decision -
Decision Reference DRN1169680
12 Dec 2016 Lending Stream Llc Not upheldBanking and creditMr F complains about Lending Stream LLC providing him with 47 loans over an almost four year period. He says he couldn’t afford the loans and this should’ve been clear to Lending Stream when considering the loans. Mr F would like Lending Stream to refund the interest ... (6 pages)View decision -
Decision Reference DRN8574619
22 Mar 2017 WDFC UK Limited UpheldBanking and creditMiss W complains that WDFC UK Limited, trading as Wonga, provided her with loans which she couldn’t afford.backgroundMiss W took a number of loans from Wonga between February and December 2013. When Miss W complained to Wonga last year, it didn’t agree it had done ... (4 pages)View decision -
Decision Reference DRN-3236519
27 Jan 2022 MBNA Limited UpheldBanking and PaymentsDRN-3236519 The complaint Mr L has complained that MBNA Limited was irresponsible in lending to him. What happened In 2016, Mr L took out a credit card with MBNA for £10,000. The limit was increased to £13,000 over the following 18 months. The account was later closed. In 2021, Mr L compla... (3 pages)View decision -
Decision Reference DRN-2443522
16 Jun 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2443522 The complaint Mr M complains that Vanquis Bank Limited should have monitored his account more closely to prevent him from entering a cycle of debt. What happened Mr M initially complained about irresponsible lending by Vanquis when it provided him with a credit card account and... (3 pages)View decision -
Decision Reference DRN7279552
13 Dec 2016 PDL Finance Limited UpheldBanking and creditMiss S complains that PDL Finance Limited, trading as Mr Lender (PDL), gave her five instalment loans that were unaffordable.backgroundMiss S took five instalment loans with PDL between 28 May 2015 and 15 December 2015. date taken principal amount borrowed £ term of loan... (3 pages)View decision -
Decision Reference DRN1664834
7 Mar 2017 Cfo Lending Limited UpheldBanking and creditMr W complains that CFO Lending Limited gave him loans he couldn’t afford to pay back. backgroundMr W took out nine loans with CFO lending. Some of the loans were deferred and Mr W hasn’t yet repaid the last loan. date takenamountDeferrals/top upsDate repaid10 November... (3 pages)View decision -
Decision Reference DRN-3894380
1 Feb 2023 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-3894380 The complaint Mr C complains that Tesco Personal Finance PLC trading as Tesco Bank (Tesco) didn’t support him as a vulnerable customer. What happened Mr C had a credit card from Tesco. Between August 2019 and September 2022, the limit was £9,500. In June 2022, he was charged a... (3 pages)View decision