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 4744 results
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Decision Reference DRN-1061699
28 Apr 2020 Nextcredit Limited UpheldConsumer CreditDRN-1061699 The complaintMr R complains that Nextcredit Limited was irresponsible to lend to him. What happenedMr R had three instalment loans from Nextcredit between April 2017 and August 2017 as follows: Loan Date Amount TermMonthly Repayment DueRepaid 111 Apr 2017£20055d£132.365 Jun 201... (2 pages)View decision -
Decision Reference DRN-4090660
26 Apr 2023 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-4090660 The complaint Mrs P complains that Capital One (Europe) plc irresponsibly lent to her. What happened Mrs P applied for a credit card online in December 2019, she was given a credit limit of £200. The credit limit wasn’t increased at any stage. The account defaulted in March 202... (2 pages)View decision -
Decision Reference DRN6853905
10 Oct 2019 Provident Personal Credit Limited UpheldBanking and creditMr D complains that Provident Personal Credit Limited (trading as Satsuma Loans) carried out insufficient affordability checks before lending to him.backgroundMr D had two loans from Satsuma between February 2017 and June 2017 as follows:Loan Date AmountTermRepayment DueStatus 123 Feb 2017... (2 pages)View decision -
Decision Reference DRN6745557
31 Aug 2017 Cash On Go Limited Not upheldBanking and creditMr N complains that Cash On Go Ltd (trading as Peachy) gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges and removes information about the loans from his credit file. Mr N is represented by a claims management company.backgrou... (2 pages)View decision -
Decision Reference DRN1713394
2 Oct 2019 Elevate Credit International Limited UpheldBanking and creditMrs R says Elevate Credit International Limited (trading as Sunny) irresponsibly lent to her.backgroundThis complaint is about 31 instalment loans Sunny provided to Mrs R between August 2015 and November 2016. There is a summary of Mrs R’s lending history from Sunny in the appendix. Our ad... (5 pages)View decision -
Decision Reference DRN-5096946
25 Nov 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5096946 The complaint Mr S has complained Monzo Bank Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened In March 2024 Mr S was told by Monzo that they were closing his account. They also lodged a fraud-related marker on his record wit... (2 pages)View decision -
Decision Reference DRN-1778548
31 Mar 2021 Everyday Lending Limited Not upheldConsumer CreditDRN-1778548 The complaint Mr B says Everyday Lending Limited (ELL) was irresponsible to offer him a loan. What happened Mr B says he applied by phone for a £10,000 loan to consolidate his existing debts in April 2019. ELL asked him to visit a branch to sign the paperwork and bring in recen... (2 pages)View decision -
Decision Reference DRN-4250233
9 Nov 2023 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4250233 The complaint Mr C complains Tesco Personal Finance PLC trading as Tesco Bank irresponsibly lent to him when providing him with a credit card. What happened My understanding is Mr C applied for a Tesco credit card in April 2022, and he was given a credit limit of £3,850. He say... (2 pages)View decision -
Decision Reference DRN0594261
7 Mar 2018 TM Advances Limited Not upheldBanking and creditMr D complains that TM Advances Limited was irresponsible in granting him several loans. backgroundMr D took out four loans with TM. The first was for £3,000 in June 2014 and the second was for £2,000 in July 2014. The first was for three years and the second for ... (2 pages)View decision -
Decision Reference DRN-3680453
12 Oct 2022 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-3680453 The complaint Miss C complains that Shop Direct Finance Company Limited (“Shop Direct”), provided her with a catalogue shopping account that she could not afford, and continued to increase her credit limit when it shouldn’t have. What happened In January 2013 Shop Direct approv... (2 pages)View decision
