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 DRN-3447520
6 May 2022 My Finance Club Limited Not upheldConsumer CreditDRN-3447520 The complaint Miss D complains that My Finance Club Limited was irresponsible to lend to her. What happened Miss D had two loans from My Finance Club between April 2021 and December 2021 as follows: Loan Date Amount Term Scheduled Repayment Due Repaid 1 11 Apr 2021 £400 38d £52... (4 pages)View decision -
Decision Reference DRN1029138
23 Mar 2020 Tesco Personal Finance PLC Not upheldBanking and creditMr S complains that Tesco Personal Finance PLC (trading as Tesco Bank) charged him a cash transaction fee (and interest) on a credit card purchase.backgroundIn January 2019 Mr S bought a product on credit. He paid a deposit of £129 with his Tesco credit card, and agreed to pay the balance ... (2 pages)View decision -
Decision Reference DRN-5225905
20 Dec 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5225905 The complaint Mr J complains Monzo Bank Ltd (“Monzo”) wouldn’t refund, or query, a transaction debited from his account from a betting company. He also complains that Monzo closed his account. What happened In February 2023, Mr J was paid the winnings of two separate bets he... (7 pages)View decision -
Decision Reference DRN1925356
23 Oct 2020 Everyday Lending Limited Not upheldBanking and creditMr N complains that Everyday Lending Limited (“ELL”) lent to him in an irresponsible manner. background The background to this complaint was set out in the provisional decision I issued in September 2020. An extract from this is attached and forms part of this final decision, so I will not... (3 pages)View decision -
Decision Reference DRN7237154
30 Jan 2019 Valour Finance Limited Not upheldBanking and creditMr S has complained about two instalment loans given to him by Valour Finance Limited (trading as “Savvy”). Mr S says he had a debt problem and it was irresponsible for Savvy to lend to him.backgroundMr S took out two instalment loans with Savvy between August 2015 an... (3 pages)View decision -
Decision Reference DRN-2361606
30 Sep 2021 TFS Loans Limited Not upheldConsumer CreditDRN-2361606 The complaint Mr F complains that TFS Loans Limited lent to him in an irresponsible manner. What happened Mr F was given a single loan by TFS in April 2018. He borrowed £5,000 and agreed to repay the loan in 60 monthly instalments. Mr F told TFS that he intended to use the loan... (3 pages)View decision -
Decision Reference DRN6315543
25 Oct 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr T has complained about several loans granted to him by Express Finance (Bromley) Limited trading as Payday Express (“Payday Express”). He’s said Payday Express allowed him to take out loans he couldn’t afford which contributed to him falling into a debt spiral.ba... (5 pages)View decision -
Decision Reference DRN-3549881
17 Jun 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3549881 The complaint Mr and Mrs K complain that HSBC UK Bank Plc won’t refund money they lost to a binary options investment scam. As most of the correspondence is from Mr K, I’ll treat all submissions as having come from him in this decision. What happened Around October 2017, Mr K ... (5 pages)View decision -
Decision Reference DRN2522861
26 Oct 2017 Avantcredit Of Uk, Llc Not upheldBanking and creditMrs S complained about Avantcredit of UK LLC’s handling of her loan once she came into financial difficulties.backgroundMrs S took out a loan with Avantcredit in January 2016 for £6,000 to be repaid over four years. Mrs S paid about £253 a month.At the start of 2017 ... (3 pages)View decision -
Decision Reference DRN-4833249
6 Jun 2024 Chetwood Financial Limited Not upheldConsumer CreditDRN-4833249 The complaint Mr P has complained through a representative that Chetwood Financial Limited trading as Live Lend (“LiveLend”) didn’t conduct sufficient affordability checks before it lent to him. What happened LiveLend advanced one loan of £1,000 on 15 November 2019 to be repaid... (3 pages)View decision