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 DRN6962319
19 Dec 2019 Provident Personal Credit Limited UpheldBanking and creditMr R says Provident Personal Credit Limited (trading as Satsuma) irresponsibly lent to him.backgroundThis complaint is about three instalment loans Satsuma provided to Mr R between March 2017 and August 2017. Mr R’s borrowing history is as follows: Loan Date TakenDate Repaid InstalmentsAmo... (4 pages)View decision -
Decision Reference DRN-3169080
13 Apr 2022 Nationwide Building Society UpheldConsumer CreditDRN-3169080 The complaint Mr L is unhappy that Nationwide Building Society acted irresponsibly in giving him a personal loan as he couldn’t afford it. What happened In January 2020, Mr L took out a personal loan with Nationwide for £2,900. He agreed to repay £72.49 per month over five year... (3 pages)View decision -
Decision Reference DRN2961215
18 Jan 2018 Elevate Credit International Limited UpheldBanking and creditMr P complains that Elevate Credit International Limited (trading as Sunny) gave him loans that he couldn’t afford.backgroundMr P took out a total of seven loans with Sunny in 2016.LoanDateAmount Monthly repaymentDate repaid in full122.03.16£2,500£346.1215.04.16224.06.16£2,50... (3 pages)View decision -
Decision Reference DRN-4107771
2 Jun 2023 Loans 2 Go Limited Not upheldConsumer CreditDRN-4107771 The complaint Mr H complains that Loans 2 Go Limited lent to him irresponsibly. What happened In September 2021, Mr H applied for and received the following loan from Loans 2 Go: Date Amount Term Monthly repayment Interest rate (APR) Total repayable 29 Sept 2021 £800 18 months ... (3 pages)View decision -
Decision Reference DRN-3931206
23 Feb 2023 Loans 2 Go Limited UpheldConsumer CreditDRN-3931206 The complaint Mr C complains Loans 2 Go Limited (‘L2G’) irresponsibly lent to him. What happened L2G approved Mr C for a £1,000 in January 2021. The term of the loan was 18 months, with repayments of approximately £230 per month. The APR on the loan was over 1,000%. Mr C says t... (3 pages)View decision -
Decision Reference DRN8639188
23 Jan 2019 Uncle Buck Finance LLP Not upheldBanking and creditMr H complains that Uncle Buck Finance LLP lent him money he couldn’t afford to repay.backgroundMr H took out five loans with Uncle Buck as follows: Nodate applied for loanamountinstalmentsRepayment date19 June 2015£100 3 @ £47 28 August 201521 September 2015£300 3 @ ... (3 pages)View decision -
Decision Reference DRN9692182
9 Jan 2019 Western Circle Limited Not upheldBanking and creditMr T says Western Circle Limited, trading as Cashfloat, lent to him irresponsibly.backgroundI sent both parties my provisional decision on this complaint on 18 December 2018. A copy of it is attached and it forms part of this final decision. I explained why I wasn’... (6 pages)View decision -
Decision Reference DRN1912278
22 Aug 2016 Indigo Michael Limited UpheldBanking and creditMr M complains that Indigo Michael trading as SafetyNetCredit (‘SafetyNetCredit’) lent to him irresponsibly.backgroundThe background to this complaint, and my initial conclusions, were set out in my provisional decision dated 4 July 2016 – a copy of which is attached ... (5 pages)View decision -
Decision Reference DRN-4303437
11 Sep 2023 Nationwide Building Society UpheldBanking and PaymentsDRN-4303437 The complaint Mr R has complained that Nationwide Building Society (“Nationwide”) acted irresponsibly by agreeing an overdraft and two loans for him over a short period of time. What happened Mr R applied and was approved for an overdraft of £2,500 on 22 May 2022. In the month ... (3 pages)View decision -
Decision Reference DRN-4284869
7 Aug 2023 Nationwide Building Society Not upheldConsumer CreditDRN-4284869 The complaint Mr F complains that Nationwide Building Society was irresponsible in its lending to him. What happened Mr F was provided with a £10,000 loan by Nationwide in August 2020. The loan term was 84 months, and he was required to make monthly repayments of around £143. T... (3 pages)View decision