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 DRN-2100472
21 Aug 2020 Advancis Limited UpheldConsumer CreditDRN-2100472 The complaintMiss C complains Advancis Limited trading as Buddy Loans lent to her irresponsibly. She says Buddy Loans did not complete proportionate and thorough checks before it agreed to lend to her. She says had it done so it would’ve realised the loan was unaffordable. Mis... (5 pages)View decision -
Decision Reference DRN-2232756
12 Jan 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2232756 The complaint Miss K complains that the loan she had from Loans 2 Go Limited was unaffordable to her. What happened Miss K took out a fixed sum loan with Loans 2 Go on 23 July 2019. She borrowed £1,200 and was due to repay £274.27 monthly for 18 months, finishing on 23 January... (4 pages)View decision -
Decision Reference DRN7405721
31 Oct 2017 Lending Stream Llc Not upheldBanking and creditMr H complains that it was irresponsible for Lending Stream LLC to have lent to him.backgroundLending Stream made a £300 loan to Mr H in July 2015. It was repayable in monthly instalments but Mr H repaid the loan early - in November 2015. He complained to Lending S... (2 pages)View decision -
Decision Reference DRN-1660370
23 Mar 2020 Gain Credit LLC UpheldConsumer CreditDRN-1660370ComplaintMr H has complained that Gain Credit LLC (trading as “Drafty”) irresponsibly provided him with unaffordable open-ended credit facilities. BackgroundDrafty provided Mr H with a total of seven open-ended credit facilities. These were running account facilities where a con... (4 pages)View decision -
Decision Reference DRN7601745
27 Jun 2017 GKFX Financial Services Limited Not upheldInvestment and pensionsMs B’s complaint is about the decision by GKFX Financial Services Limited to remove a cash bonus that was applied to her spread betting account. backgroundI issued a provisional decision on this complaint – a copy of which is attached and forms part of this final ... (5 pages)View decision -
Decision Reference DRN9499034
16 Feb 2018 Gain Credit LLC Not upheldBanking and creditMiss B has complained that Gain Credit LLC, trading as Lending Stream (“Lending Stream”), provided several short term loans which were unaffordable for her.backgroundLending Stream says it agreed 42 loans for Miss B between October 2010 and December 2016. These loans ... (6 pages)View decision -
Decision Reference DRN-3122375
23 Nov 2021 Oplo PL Ltd UpheldConsumer CreditDRN-3122375 The complaint Miss J complains that Oplo PL Ltd irresponsibly lent to her. What happened This complaint is about three high cost credit loans Oplo lent to Miss J. The loan details are as follows: Loan number Start date Loan amount (£) Term Repayment amount (£) End date 1 05/07... (3 pages)View decision -
Decision Reference DRN-2787169
2 Jun 2021 Santander UK Plc Not upheldInvestmentsDRN-2787169 The complaint Mrs B complains that Santander UK Plc recommended an unsuitable 5½ year structured product in 2002, the likely returns being far less than she could have been guaranteed via one of its medium-term fixed-rate bonds. What happened Mrs B retained the product for the ... (3 pages)View decision -
Decision Reference DRN-2877587
21 Jul 2021 Everyday Lending Limited UpheldConsumer CreditDRN-2877587 The complaint Miss H believes Everyday Lending Limited, trading as Everyday Loans, acted irresponsibly by agreeing four loans she’d applied for. What happened In February 2018, Miss H took out a £3,000 loan (Loan 1) with Everyday, to be repaid over 24 months with repayments of ... (4 pages)View decision -
Decision Reference DRN2503129
22 Jun 2020 Loans 2 Go Limited UpheldBanking and creditMr H says it was irresponsible for Loans 2 Go Limited (Loans 2 Go) to lend him money in 2018.backgroundIn March 2018, Loans 2 Go Limited lent Mr H £300. Mr H agreed to repay this, with interest, over 18 months. Interest was charged at a simple fixed interest rate of 205.2% per year, applie... (5 pages)View decision
