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-3340370
1 Mar 2022 Oakbrook Finance Limited Not upheldConsumer CreditDRN-3340370 The complaint Mr K says Oakbrook Finance Limited (trading as Likely Loans) lent to him irresponsibly. What happened Mr K took out a 36-month instalment loan for £2,500 from Likely Loans on 25 August 2018. The monthly repayment was £132.06 and the total repayable was £4,754.16. ... (3 pages)View decision -
Decision Reference DRN-4812288
22 May 2024 National Westminster Bank Plc Not upheldConsumer CreditDRN-4812288 The complaint Ms H complains that National Westminster Bank Plc (‘NatWest’) irresponsibly gave her two loans that she couldn’t afford to repay. What happened In March 2022, Ms H applied for a loan with NatWest. She was given a loan of £7,450 repayable over 39 months with a mont... (3 pages)View decision -
Decision Reference DRN-3576830
25 Nov 2022 Bank of Ireland (UK) Plc UpheldConsumer CreditDRN-3576830 The complaint Mr T complains that Bank of Ireland (UK) Plc (“Bank of Ireland”), trading as Post Office Money, shouldn’t have lent to him because it ought reasonably to have realised that he would struggle to make his repayments. What happened Bank of Ireland approved a couple o... (3 pages)View decision -
Decision Reference DRN-3342462
18 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3342462 The complaint Mrs R has complained that AvantCredit of UK, LLC trading as AvantCredit was irresponsible in lending to her. What happened In 2017 AvantCredit provided Mrs R with a loan of £6,600 repayable over 36 months with a monthly repayment of £251.15. The loan has since bee... (3 pages)View decision -
Decision Reference DRN-4334915
5 Jan 2024 Madison CF UK Limited Not upheldConsumer CreditDRN-4334915 The complaint Mrs G complains that Madison CF UK Limited, trading as 118 118 Money (“Madison”) irresponsibly granted her two loans she couldn’t afford to repay. What happened In October 2020 Mrs G took out a fixed sum loan agreement for a loan for £2,000 that was payable over 2... (3 pages)View decision -
Decision Reference DRN-5421871
20 Jun 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5421871 The complaint Mr P complains that Moneybarn No. 1 Limited trading as Moneybarn lent to him irresponsibly. What happened On 16 November 2017, Mr P entered into a finance agreement with Moneybarn as shown below, to buy a used van. He repaid the agreement in June 2023. Date A... (3 pages)View decision -
Decision Reference DRN7669418
13 Apr 2016 Provident Personal Credit Limited Not upheldBanking and creditMr G complains that Provident Personal Credit Limited, Trading as Satsuma Loans:-didn’t make it clear that the interest on his loan would be paid at the start of the loanand-shouldn’t have given him a loan because he was already in financial difficulties. backgrou... (3 pages)View decision -
Decision Reference DRN2686283
19 Aug 2013 Barclays Bank Plc Not upheldBanking and creditMr D complains that Barclays Bank Plc will not refund to him a number of cash machine and card transactions which he says he did not make or authorise. backgroundMr D complained to Barclays that he had not made a number of cash machine withdrawals over a period of a few consecutive days... (2 pages)View decision -
Decision Reference DRN7322814
1 Apr 2015 National Westminster Bank Plc Not upheldBanking and creditMr R complains that National Westminster Bank Plc has held him responsible for a number of fraudulent transactions that were carried out using his debit card.backgroundIn November 2014 Mr R advised NatWest that a number of fraudulent transactions totalling £8,000 wer... (2 pages)View decision -
Decision Reference DRN8188152
7 Jun 2017 Casheuronet UK LLC UpheldBanking and creditMr B has complained about short-term loans granted to him by CashEuroNet UK LLC trading as Quick Quid.backgroundQuick Quid agreed ten short-term loans for Mr B between March 2013 and July 2016. Mr B complained the loans were unaffordable. Quick Quid disagreed, so Mr ... (5 pages)View decision
