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 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 -
Decision Reference DRN-3192972
7 Mar 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3192972 The complaint Mr F complained that Madison CF UK Limited trading as 118 118 Money lent to him irresponsibly and provided him with an unaffordable loan. What happened Mr F was given a loan by 118 118 Money as follows: Loan start date Loan amount Monthly repayment Total amount pa... (3 pages)View decision -
Decision Reference DRN-2772561
12 May 2021 Madison CF UK Limited Not upheldConsumer CreditDRN-2772561 The complaint Miss B complains that Madison CF UK Limited (trading as 118 118 Money) acted irresponsibly by granting her a loan that was unaffordable for her. What happened In October 2017, Miss B took out a loan with Madison for £2,000. It was to be paid back over 18 months in... (3 pages)View decision -
Decision Reference DRN-5594478
18 Jul 2025 JAJA FINANCE LTD Not upheldBanking and PaymentsDRN-5594478 The complaint Mr C complains that JAJA FINANCE LTD’s, trading as JaJa Credit Card, decision to issue him with a credit card was irresponsible. What happened In May 2024, Mr C applied for a JAJA credit card. On 17 May 2024, JAJA opened an account and issued Mr C with a cred... (3 pages)View decision -
Decision Reference DRN1499237
23 Jan 2020 Emergency Cash Limited UpheldBanking and creditMr C says Emergency Cash Limited, trading as wizzcash.com (“ECL”) irresponsibly lent to him.backgroundThis complaint is about three instalment loans ECL provided to Mr C between March 2015 and October 2016. Mr C’s borrowing history is as follows:Mr C has said he should not have been given ... (3 pages)View decision -
Decision Reference DRN1690828
1 Aug 2019 Uncle Buck Finance LLP Not upheldBanking and creditMiss E complains that Uncle Buck Finance LLP gave her loans that she couldn’t afford to repay. She asks that it refunds interest and charges and removes information about the loans from her credit file.backgroundMiss E took out seven loans with Uncle Buck between August 2014 and October 20... (3 pages)View decision -
Decision Reference DRN8261642
29 Sep 2017 HSBC Bank plc Not upheldBanking and creditMr N complains that HSBC Bank Plc did not do enough to identify unusual spending on his account which he says he did not authorise.backgroundMr N gave his son his card and PIN to help him manage his finances. He says his son made payments, including for online gambl... (2 pages)View decision -
Decision Reference DRN2645060
16 Jul 2018 Blemain Finance Limited Not upheldBanking and creditMr Y complains that Blemain Finance Limited gave him two secured loans that he couldn’t afford to repay. He’s also unhappy with the actions it’s taken in trying to recover the outstanding amounts.backgroundIn July 2014, Mr Y applied for a secured loan through a broker w... (4 pages)View decision