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 4808 results
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Decision Reference DRN-3522649
17 Jun 2022 Mobile Money Limited Not upheldConsumer CreditDRN-3522649 The complaint Mr Z has complained that Mobile Money Limited (“MML”) was irresponsible to have agreed credit for him. What happened MML provided Mr Z with a loan of £2,300 in June 2019. The total amount of £4,815, including interest and charges, was to be repaid in 18 monthly in... (4 pages)View decision -
Decision Reference DRN-2209692
23 Mar 2021 Advancis Limited UpheldConsumer CreditDRN-2209692 Complaint Mr D has complained that Advancis Limited (trading as “Buddy Loans”) irresponsibly provided him with unaffordable guarantor loans. Background Buddy Loans provided Mr D with two guarantor loans. Loan 1 was for £4,000.00 and provided in June 2017. This loan had an APR ... (5 pages)View decision -
Decision Reference DRN-2570871
9 Mar 2021 Novaloans Ltd UpheldConsumer CreditDRN-2570871 The complaint Mr H complains about five loans that he took out with Novaloans Limited, trading as Cash4uNow, (“NL”), which he said were unaffordable. What happened Mr H was given five instalment loans by NL from November 2015 to June 2017. All the loans have been repaid. A summ... (7 pages)View decision -
Decision Reference DRN4511520
18 Feb 2019 Bank of Scotland Plc Not upheldBanking and creditMiss W complains that Bank of Scotland Plc (BOS) has treated her unfairly when it registered a default on her current account.backgroundMiss W had an easycash current account with BOS which went into an unplanned overdraft of more than £900.00 after a number of tran... (3 pages)View decision -
Decision Reference DRN-2936671
21 Jul 2021 Evergreen Finance London Limited UpheldConsumer CreditDRN-2936671 The complaint Ms B complained that Evergreen Finance London Limited trading as MoneyBoat.co.uk acted irresponsibly when it gave her unaffordable loans. What happened Ms B took out two MoneyBoat loans as follows: Loan Date Taken Date Repaid Instalments Loan Amount Highest Monthl... (5 pages)View decision -
Decision Reference DRN-3274748
9 Feb 2022 MBNA Limited UpheldBanking and PaymentsDRN-3274748 The complaint Ms M complained that MBNA Limited lent irresponsibly when providing her with a credit card account. What happened Ms M applied online for an MBNA credit card in August 2006. Her application showed she was earning £9,268 a year before tax. MBNA provided the card wi... (5 pages)View decision -
Decision Reference DRN-5544905
8 May 2025 HSBC UK Bank Plc Not upheldConsumer CreditDRN-5544905 The complaint X complains HSBC UK Bank Plc (“HSBC”) lent three loans to them irresponsibly between 2006 and 2008. What happened In July 2006, X was provided with a flexi-loan for £2,000. Then in May 2007 a loan for £5,000 was provided – around £4,500 was used to consolidate... (5 pages)View decision -
Decision Reference DRN8890783
8 Jun 2018 Provident Personal Credit Limited UpheldBanking and creditMr S complains that Provident Personal Credit Limited (trading as Satsuma Loans) gave him loans that he couldn’t afford to repay.backgroundThe background to this complaint was set out in the provisional decision that I issued on 27 April 2018. An extract from this is atta... (6 pages)View decision -
Decision Reference DRN4989968
12 Jan 2018 National Westminster Bank Plc Not upheldBanking and creditMiss S complains that National Westminster Bank Plc failed to remove her from the joint account that she has with her ex-husband and that it’s having an effect on her ability to get credit. She wants to be removed from the account.backgroundMiss S said that she was a... (2 pages)View decision -
Decision Reference DRN-4066220
11 Apr 2023 Evergreen Finance London Limited Not upheldConsumer CreditDRN-4066220 The complaint Mr B complains that Evergreen Finance London Limited, trading as MoneyBoat.co.uk, lent to him when he could not afford it. What happened Mr B applied for and was approved for two loans. One was for £200 on 23 May 2018, and then a second one for £400 loan on 2 Aug... (5 pages)View decision
