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 DRN-4687579
16 Mar 2024 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-4687579 The complaint Miss F complains that Moneybarn No.1 Limited trading as Moneybarn acted unfairly in agreeing to a loan which she said was unaffordable for her. Miss F is represented by a third party but for ease of reading I will only refer to Miss F in my decision. What happened... (4 pages)View decision -
Decision Reference DRN-4258659
14 Dec 2023 Valour Finance Limited Not upheldConsumer CreditDRN-4258659 The complaint Mr B complains Valour Finance Limited trading as Savvy.co.uk (Valour) provided him with loans without carrying out appropriate affordability checks. What happened Mr B received two loans from Valour; 1. £400 loan on 29 June 2021 payable in 6 monthly instalments. 5... (4 pages)View decision -
Decision Reference DRN5927818
2 Feb 2018 MBNA Limited Not upheldBanking and creditMrs P complains that MBNA Limited won’t remove a default marker from her credit file, relating to her outstanding credit card balance. Mr P complains on her behalf.backgroundIn May 2016 Mrs P opened a credit card account with MBNA. Mrs P said her son made the app... (3 pages)View decision -
Decision Reference DRN-2779194
26 Apr 2021 TM Advances Limited UpheldConsumer CreditDRN-2779194 The complaint Mrs H complains about three personal loans provided to her by TM Advances Limited, trading as TM Advances, (“TMA”), which she says were irresponsibly lent. What happened TMA agreed three loans for Mrs H. All the loans have been repaid. Some of the information TMA ... (9 pages)View decision -
Decision Reference DRN-4651457
17 Apr 2024 Loans 2 Go Limited Not upheldConsumer CreditDRN-4651457 The complaint Miss R complains that Loans 2 Go Limited lent to her irresponsibly in May 2023. Miss R says that she’s been charged too much interest and wants a refund. What happened Miss R applied for a loan for £1,500 on 2 May 2023 and it was approved. It was a high interest l... (5 pages)View decision -
Decision Reference DRN4560632
30 Sep 2019 National Westminster Bank Plc Not upheldBanking and creditComplaintMiss E complained because National Westminster Bank Plc refused to refund a number of debits to a betting firm. They were for around £6,500, and Miss E said she hadn’t authorised them.BackgroundStarting on 5 May 2017, around £6,500 was debited to Miss E’s NatWest account in favour... (4 pages)View decision -
Decision Reference DRN-5978495
26 Nov 2025 Lendable Ltd Not upheldConsumer CreditDRN-5978495 The complaint Miss B complains that Lendable Ltd (“Lendable”) irresponsibly provided her with a loan and didn’t conduct sufficient affordability checks whilst she was struggling financially, was suffering from mental health issues and had a gambling addiction. What happened... (4 pages)View decision -
Decision Reference DRN-3070416
30 Nov 2021 Advantage Finance Ltd UpheldConsumer CreditDRN-3070416 The complaint Mr E believes Advantage Finance Ltd acted irresponsibly by agreeing a hire purchase agreement he’d applied for. What happened On 6 January 2016, Mr E took out a hire purchase with Advantage. The loan was for £3,975 over 48 months, with 47 monthly repayments of £14... (4 pages)View decision -
Decision Reference DRN2952282
30 May 2019 Casheuronet UK LLC UpheldBanking and creditMr G says CashEuroNet UK LLC trading as QuickQuid irresponsibly lent to himbackgroundThis complaint is about 7 payday loans QuickQuid provided to Mr G between 4 September 2017 and 29 March 2018. There were also a number of top-ups to these loans. For ease of referen... (5 pages)View decision -
Decision Reference DRN-1835400
18 May 2020 Lloyds Bank PLC UpheldBanking and PaymentsDRN-1835400ComplaintMr D has complained about the overdraft on his Lloyds Bank PLC (“Lloyds”) bank account. He’s said that he had a gambling problem, between 2013 and 2018, which ought to have been apparent from his statements. And in these circumstances, it was unfair to lend to him, let ... (14 pages)View decision