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 5125 results
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Decision Reference DRN0747651
23 Oct 2015 Lloyds Bank PLC Not upheldBanking and creditMr M complains that Lloyds Bank plc acted irresponsibly by allowing him to increase his overdraft. He also complains that Lloyds failed to refund interest and charges on his account after a debt management plan was put in place.backgroundIn late 2013 Mr M was able t... (2 pages)View decision -
Decision Reference DRN-3971153
16 Feb 2023 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-3971153 The complaint Mr M complains about fees he was charged by Tesco Personal Finance PLC, trading as Tesco Bank. What happened Mr M holds a credit card account with Tesco. In late 2022, he made some payments which incurred a cash transaction fee. Specifically, these payments were ... (2 pages)View decision -
Decision Reference DRN3881594
10 Apr 2018 Gain Credit LLC UpheldBanking and creditMiss D complains that Gain Credit LLC (trading as Lending Stream) gave her loans that she couldn’t afford.backgroundMiss D took a total of 28 loans with Lending Stream between Apr 2015 and Aug 2017.LoanDateLoan amount Total amount repaidDate repaid in full18 Apr 2015... (4 pages)View decision -
Decision Reference DRN1998332
3 Apr 2019 Trusted Cash Limited UpheldBanking and creditMr V complains that Trusted Cash Limited, trading as Trusted Quid, (“TQ”), gave him threeloans that were unaffordable. The complaint has been brought to this service on Mr V’sbehalf by a firm of solicitors. But for ease I shall refer below to all actions being ta... (6 pages)View decision -
Decision Reference DRN-2410982
25 Mar 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2410982 The complaint Mr B complains about a personal loan provided to him by Loans 2 Go Limited, trading as Loans 2 Go, (“L2G”), which he says was unaffordable. What happened L2G agreed a loan for £250 for Mr B in July 2018. The loan was repayable by 18 monthly payments of £56.64. The... (6 pages)View decision -
Decision Reference DRN-3597734
3 Aug 2022 Evergreen Finance London Limited UpheldConsumer CreditDRN-3597734 The complaint Miss K complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (MoneyBoat) didn’t carry out proportionate affordability checks before it granted her loans. Had it done so, MoneyBoat would’ve discovered that she couldn’t afford to repay them. Wh... (6 pages)View decision -
Decision Reference DRN-4674228
19 Mar 2024 Loans 2 Go Limited UpheldConsumer CreditDRN-4674228 Complaint Mrs S has complained that Loans 2 Go Limited (“L2G”) provided her with an unaffordable loan. Background L2G provided Mrs S with a loan for £250 in March 2023. This loan had an APR of 770% and an 18-month term. This all meant the total amount repayable of £675.02, whic... (4 pages)View decision -
Decision Reference DRN1118240
14 Mar 2017 Barclays Bank Plc UpheldBanking and creditMr A complains that Barclays Bank Plc gave him a loan irresponsibly as it is unaffordable and he now has financial difficulties. .backgroundMr A applied for a loan from Barclays in November 2013. He says it was un affordable and relevant checks were not carried out. He... (2 pages)View decision -
Decision Reference DRN-3536320
19 Jul 2022 My Finance Club Limited UpheldConsumer CreditDRN-3536320 The complaint Miss L complains that My Finance Club Limited was irresponsible to lend to her. What happened Miss L had five loans from My Finance Club between June 2019 and October 2019: Loan Date Amount Term Scheduled Repayment Due Repaid 1 10 Jun 2019 £100 30d £124.40 10 Jul ... (4 pages)View decision -
Decision Reference DRN-3299251
22 Mar 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3299251 The complaint Mrs P has complained that Loans 2 Go Limited was irresponsible in lending to her. What happened Loans 2 Go provided Mrs P with the following loans: Date taken Amount Term Monthly repayment Amount received Loan status Loan 1 01/07/19 £600 18 months £137.13 £2,468.3... (4 pages)View decision
