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 5443 results
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Decision Reference DRN4106282
19 Apr 2018 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr T complains that Curo Transatlantic Limited (trading as WageDay Advance) gave him loans that he couldn’t afford.backgroundMr T took out a total of 29 loans with Wage Day between September 2012 and October 2016. The amounts he borrowed ranged from £175 to £870.Mr T ... (3 pages)View decision -
Decision Reference DRN1607013
29 Oct 2018 PDL Finance Limited UpheldBanking and creditMr E complains that PDL Finance Limited (trading as Mr Lender) gave him loans that he couldn’t afford to repay.backgroundThe background to this complaint was set out in the provisional decision I issued in September 2018. An extract from this is attached and forms par... (4 pages)View decision -
Decision Reference DRN4717199
11 Oct 2019 Uncle Buck Finance LLP UpheldBanking and creditMr H says Uncle Buck Finance LLP lent to him irresponsibly.backgroundI sent Mr H and Uncle Buck my provisional findings on this complaint on 24 September 2019. A copy is attached and it forms part of this final decision. I explained why I intended to uphold Mr H’s complaint about the secon... (4 pages)View decision -
Decision Reference DRN-3160382
23 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3160382 The complaint Mr P says AvantCredit of UK, LLC lent to him irresponsibly. What happened In March 2016 Mr P took out a 48-month instalment loan from AvantCredit for £3,800. The monthly repayment was £152.36 and the total repayable was £7,313.14. Mr P says he took out the loan to... (4 pages)View decision -
Decision Reference DRN8188103
29 Jan 2020 Apfin Ltd UpheldBanking and creditMr A complains that Apfin Ltd (trading as cashasap.co.uk) was irresponsible in its lending to him.backgroundBased on the information we have received, Mr A took out 12 loans with cashasap between May 2017 and October 2018.LoanDateRepaidAmount120/05/201709/06/2017£300.00212/07/201 7 14/07/2... (4 pages)View decision -
Decision Reference DRN-5541398
13 May 2025 Bank of Scotland Plc UpheldBanking and PaymentsDRN-5541398 The complaint Mr M, who is represented by a third party, complains that Bank of Scotland plc, trading as Halifax (‘Halifax’), acted irresponsibly when it agreed to provide him with an overdraft facility and continued to make it available to him. He says Halifax failed to take i... (3 pages)View decision -
Decision Reference DRN-2084174
14 Aug 2020 Metro Bank PLC UpheldBanking and PaymentsDRN-2084174The complaintMr and Mrs B complained because Metro Bank PLC refused to refund them for a transaction they said they hadn’t authorised. What happenedOn 16 September 2019, three debits, all to different insurance companies, were attempted on Mr and Mrs B’s account with Metro: - on... (4 pages)View decision -
Decision Reference DRN-5958808
4 Dec 2025 Western Circle Ltd Not upheldConsumer CreditDRN-5958808 The complaint Miss B complains that Western Circle Ltd, trading as Cashfloat, lent to her irresponsibly when they provided her with two personal loans. What happened In 2025, Miss B took out two short-term personal loans with Cashfloat. The first was in March 2025, where sh... (3 pages)View decision -
Decision Reference DRN-4126885
20 Jul 2023 Barclays Bank UK PLC Not upheldConsumer CreditDRN-4126885 The complaint Mr P’s complaint is that Barclays Bank UK PLC irresponsibly provided him with two loans. What happened Barclays approved Mr P with the following two loans: Loan Date of loan Capital amount Term (months) Monthly repayments Total repayable value Loan 1 11 March 2022... (3 pages)View decision -
Decision Reference DRN-4401482
25 Oct 2023 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4401482 The complaint Miss L complains that Moneybarn No 1 Limited trading as Moneybarn agreed to lending that she couldn’t afford. Miss L is represented by a third party in bringing her complaint but for ease of reading I will only refer to Miss L in my decision. What happened In 2020... (4 pages)View decision