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-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 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 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 DRN0540629
24 Jan 2014 Barclays Bank Plc Not upheldBanking and creditMr C complains that Barclays Bank plc will not refund a number of card transactions which he says he neither made nor authorised. backgroundA number of disputed transactions were made on Mr C’s credit card account. They included point of sale payments (that is, at shops and petrol ... (2 pages)View decision -
Decision Reference DRN9109818
30 Apr 2013 The Royal Bank of Scotland Plc Not upheldBanking and creditMr T complains that RBS would not reinstate his overdraft and instead agreed a loan which he says was irresponsible.backgroundMr T had an overdraft limit of £4,000 and when online says he accidentally amended this to £250. He applied for this to be increased again but RBS did not agre... (2 pages)View decision -
Decision Reference DRN2841324
27 Feb 2020 Elevate Credit International Limited UpheldBanking and creditMr J says Elevate Credit International Limited – trading as Sunny – irresponsibly lent to him.backgroundThis complaint is about 11 instalment loans Sunny provided to Mr J between August 2017 and June 2018. Mr J’s borrowing history is as follows:LoanDate TakenDate RepaidInstalmentsAmountM... (4 pages)View decision -
Decision Reference DRN-5223099
7 Jan 2025 Oakbrook Finance Limited Not upheldConsumer CreditDRN-5223099 Complaint Mr P has complained about a loan Oakbrook Finance Limited (trading as “Finio Loans”) provided to him. He says the loan was unaffordable given his circumstances at the time and so shouldn’t have been provided. Background Finio Loans provided Mr P with a loan for £1... (3 pages)View decision -
Decision Reference DRN-5775923
15 Jan 2026 Western Circle Ltd Not upheldConsumer CreditDRN-5775923 The complaint Mr R has complained that Western Circle Ltd trading as Cashfloat (“Cashfloat”) gave him a loan without carrying out sufficient affordability checks. Had better checks been made then Cashfloat would’ve seen he was subject to an Individual Voluntary Arrangement (... (3 pages)View decision -
Decision Reference DRN-5427730
23 Jul 2025 Sky UK Limited Not upheldConsumer CreditDRN-5427730 The complaint Mr W has complained that Sky UK Limited (“Sky”) acted irresponsibly when it provided him with four individual mobile devices, with four separate fixed sum loan agreements, all taken out in July 2024. What happened Mr W applied for four separate contracts for f... (3 pages)View decision -
Decision Reference DRN6399936
19 May 2017 Uncle Buck Finance LLP Not upheldBanking and creditMr W complains that Uncle Buck Finance LLP made short-term lending to him when it shouldn’t have.backgroundUncle Buck made one loan to Mr W. He later arranged a debt management plan. He complained that the loan was unaffordable and the lender should write it off.... (2 pages)View decision