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-1692901
1 May 2020 TFS Loans Limited UpheldConsumer CreditDRN-1692901ComplaintMr C has complained that TFS Loans Limited (“TFS”) irresponsibly provided him with an unaffordable guarantor loan. He says that he doesn’t think that enough checks were completed to make a fair judgement of affordability and the lending was unfair. BackgroundTFS provide... (5 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 DRN-3589852
13 Jul 2022 Capital One (Europe) plc UpheldBanking and PaymentsDRN-3589852 The complaint Mr P has complained he took out a credit card with Capital One which he couldn’t afford, and it subsequently defaulted. Since that, Capital One have lent him a further two credit cards. He feels this has trapped him in a cycle of debt which he couldn’t afford. Wha... (5 pages)View decision -
Decision Reference DRN9084869
4 Feb 2021 Mobile Money Limited UpheldBanking and creditMrs P has complained that Mobile Money Limited (“MML”) was irresponsible to have agreed credit for her. background MML provided Mrs P with a loan of £840 in November 2018. The total repayable including interest and charges came to £2,383, to be repaid over 18 months at £132 a month (all fi... (4 pages)View decision -
Decision Reference DRN6279425
7 Feb 2018 DJS (UK) Limited UpheldBanking and creditMr T complains that DJS (UK) Limited, trading as PiggyBank, was irresponsible to have provided him with a number of payday loans.backgroundMr T was provided with 17 payday loans by DJS as follows:-Number of loanDate of loanAmount repayable1.17/3/2014£332.532.17/4/2014... (4 pages)View decision -
Decision Reference DRN-5640369
7 Jul 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5640369 Complaint Mr H has complained about the overdraft charges Santander UK Plc (“Santander”) applied to his account. Mr H is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr H’s account were unfair as there w... (5 pages)View decision -
Decision Reference DRN9067001
22 Dec 2016 MEM Consumer Finance Limited UpheldBanking and creditMrs P complains that MEM Consumer Finance Limited trading as Payday UK gave her loans she couldn’t afford to repay. backgroundMrs P has told us that she borrowed money from Payday UK between 2009 and 2015. She doesn’t feel Payday UK did enough to check she could affor... (2 pages)View decision -
Decision Reference DRN0669696
23 Jun 2017 Lending Stream Llc UpheldBanking and creditMr H complains that Lending Stream LLC gave him loans he couldn’t afford to repay. background Mr H took out three loans with Lending Stream between January and March 2014. He says he was also borrowing from other payday lenders and had a gambling problem. He says Lending... (3 pages)View decision -
Decision Reference DRN1160667
9 Oct 2018 Casheuronet UK LLC Not upheldBanking and creditMiss M complains that CashEuroNet UK LLC (trading as Quick Quid) was irresponsible to offer her loans she couldn’t afford to repay. She asks that it refunds interest and charges and removes information about the loans from her credit file.backgroundMiss M took out four ... (3 pages)View decision -
Decision Reference DRN3906961
5 Jun 2017 Lending Stream Llc Not upheldBanking and creditMr Z complains Lending Stream LLC lent him money he couldn’t afford.backgroundMr Z took out four instalment loans in the space of a few weeks as follows: date takenamountinstalments highest monthly paymentDate repaid 28 May 2013 £165 5 £90.75 7 August 2013 5 June 2013 £... (3 pages)View decision
