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-5427745
24 Sep 2025 PROPEL HOLDINGS (UK) LIMITED Not upheldConsumer CreditDRN-5427745 The complaint Mr H complains that PROPEL HOLDINGS (UK) LIMITED trading as Quidmarket (“Quidmarket”) lent to him irresponsibly. What happened Mr H took three loans and I have done this table to show the lending history. Loan Approved Amount Terms (rounded figures) Status 1 1... (4 pages)View decision -
Decision Reference DRN-3583669
7 Jul 2022 1plus1 Loans Limited Not upheldConsumer CreditDRN-3583669 The complaint Mr M complained that 1Plus1 Loans Limited irresponsibly lent to him when it provided a loan that was unaffordable. What happened Mr M was given a loan by 1Plus1 as follows: Date taken Number of monthly instalments Loan amount Monthly repayment* Total payable Novem... (5 pages)View decision -
Decision Reference DRN-2979008
8 Sep 2021 Bank of Scotland Plc UpheldBanking and PaymentsDRN-2979008 The complaint Mr M has complained that Bank of Scotland plc (“BOS”) trading as Halifax continued charging him excessive amounts for his overdraft when he was in financial difficulty. What happened Mr M has complained about unaffordable lending relating to overdraft increases. H... (2 pages)View decision -
Decision Reference DRN-3369300
26 Apr 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3369300 Complaint Ms H is unhappy that Barclays Bank UK PLC hasn’t refunded multiple transactions from her account that she says were fraudulent. Background In June 2020, Ms H received three substantial payments from the Department for Work and Pensions. The total value of those three ... (2 pages)View decision -
Decision Reference DRN5422556
21 Nov 2019 Uncle Buck Finance LLP UpheldBanking and creditMr W says Uncle Buck Finance LLP (Uncle Buck) irresponsibly lent to him. Mr W says he had a gambling addiction and was in debt when Uncle Buck lent to him and so Uncle Buck shouldn’t have lent to him.backgroundThis complaint is about one instalment loan Uncle Buck lent to Mr W in June 2018... (2 pages)View decision -
Decision Reference DRN7375749
30 Aug 2017 Nextcredit Limited UpheldBanking and creditMiss A complains that Nextcredit Limited gave her unsuitable payday loans. She wants a refund of her interest, with interest. backgroundMiss A had five loans from Nextcredit between January and May 2015. She said a check on her credit file would have shown her financ... (2 pages)View decision -
Decision Reference DRN9576679
8 Aug 2016 Txtloan Limited Not upheldBanking and creditMr G complains that Txtloan Limited (trading as MYJAR) gave him unaffordable payday loans. He wants the balance outstanding waived and all entries removed from his credit file. background Mr G had five payday loans with MYJAR. He said they were unaffordable and he wanted ... (2 pages)View decision -
Decision Reference DRN-4321884
27 Oct 2023 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4321884 The complaint Mrs P complains that Bank of Scotland plc trading as Halifax (“Halifax”) declined her request to increase the credit limit on her credit card. She also complains about how they explained this decision to her. What happened Mrs P applied to increase the credit limi... (2 pages)View decision -
Decision Reference DRN3679422
23 Oct 2018 Instant Cash Loans Limited Not upheldBanking and creditMr R complains that Instant Cash Loans Limited (trading as moneyshop.co.uk) was irresponsible to lend to him.backgroundMr R applied for a six-month instalment loan from The Money Shop on 1 February 2017. He borrowed £650 which was to be repaid in six instalments of £... (2 pages)View decision -
Decision Reference DRN-5880714
21 Oct 2025 PROPEL HOLDINGS (UK) LIMITED UpheldConsumer CreditDRN-5880714 The complaint Mrs M complains that PROPEL HOLDINGS (UK) LIMITED trading as Quid Market was irresponsible in its lending to her. She wants all interest and charges on the loans refunded along with 8% interest and compensation of £750 for the distress and anxiety the lending h... (4 pages)View decision