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 5162 results
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Decision Reference DRN-3848999
13 Dec 2022 Nationwide Building Society Not upheldConsumer CreditDRN-3848999 The complaint Mr M has complained that Nationwide Building Society irresponsibly lent to him. What happened Mr M took out four personal loans with Nationwide between May 2014 and August 2016. Mr M says that he couldn’t afford the credit and that if Nationwide had done proportio... (2 pages)View decision -
Decision Reference DRN-3226419
25 Feb 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3226419 The complaint Mr P complains that Madison CF UK Limited trading as 118 118 Money provided him with loans he was unable to afford to repay. What happened 118 118 Money provided Mr P with the following loans: Loan ref: Date taken Amount Term months Monthly payment Amount repayabl... (2 pages)View decision -
Decision Reference DRN-3521249
13 Jun 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3521249 The complaint Mr Y says Loans 2 Go Limited irresponsibly lent to him. What happened This complaint is about 3 loans Loans 2 Go provided to Mr Y between April and August 2020. Mr Y’s borrowing history is as follows: Loan Date taken Amount Term Repayment Repaid 1 April 2020 £600 ... (2 pages)View decision -
Decision Reference DRN-3584161
7 Jul 2022 Harvey & Thompson Limited UpheldConsumer CreditDRN-3584161 The complaint Mrs D complains that the loans she had from Harvey & Thompson Limited were unaffordable to her. What happened Mrs D had five loans from Harvey & Thompson between April 2017 and August 2018 as follows: Loan Date Amount Term Max Monthly Repayment Due Repaid ... (3 pages)View decision -
Decision Reference DRN0366375
17 Jan 2020 Uncle Buck Finance LLP Not upheldBanking and creditMr A’s complained about two high-cost short-term credit instalment loans he took out with Uncle Buck Finance LLP (trading as “Uncle Buck”). He says Uncle Buck shouldn’t have lent to him as he was already in a substantial amount of debt.backgroundOne of our adjudicators reviewed what Mr A a... (2 pages)View decision -
Decision Reference DRN9047996
22 Aug 2016 Europaische Reiseversicherung AG UpheldInsurance (excluding PPI)Mr and Mrs C complain that Europaische Reiseversicherung AG (ERV) didn’t pay their holiday cancellation claim under their travel insurance.backgroundMr and Mrs C renewed their annual travel policy with ERV in November. They each declared two medical conditions which ERV acc... (3 pages)View decision -
Decision Reference DRN-4605353
21 Feb 2024 Nationwide Building Society UpheldBanking and PaymentsDRN-4605353 The complaint Mr C complains Nationwide Building Society didn’t do enough to protect him when he fell victim to an investment scam. What happened Mr C has several accounts with Nationwide and has been a customer of theirs since 2013. Mr C says he received a friend request on a ... (3 pages)View decision -
Decision Reference DRN-3479590
22 May 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3479590 The complaint Ms S has complained that Everyday Lending Limited (EDL) lent to her irresponsibly. What happened I issued a provisional decision in March 2022 about this complaint that I summarise below. Ms S was given a loan of £1,650 by EDL in September 2018. This was due to be... (2 pages)View decision -
Decision Reference DRN7640855
17 Sep 2019 PDL Finance Limited Not upheldBanking and creditMiss A complains that PDL Finance Limited (trading as Mr Lender) was irresponsible to lend to her.backgroundMiss A had five loans from Mr Lender between January 2017 and September 2017 as follows:Loan Date AmountTerm Due Repayment* Repaid 126 Jan 2017£3003m21 Apr 2017£162.40Ext, 19 May 201... (2 pages)View decision -
Decision Reference DRN2912647
24 Jan 2020 Elevate Credit International Limited Not upheldBanking and creditMr H’s complaint is about two instalment loans he took with Elevate Credit International Limited trading Sunny. Mr H says these loans were unaffordable.backgroundSunny provided Mr H with two instalment loans between July 2018 and August 2018. LoanDate TakenDate Repaid InstalmentsAmount Hig... (2 pages)View decision
