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-3392888
29 Mar 2022 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-3392888 Complaint Mr B has complained that The Royal Bank of Scotland Plc (“RBS”) irresponsibly provided him with an overdraft which it continued applying charges on even when he was in financial difficulty. Background and my provisional decision of 11 March 2022 One of our investigato... (3 pages)View decision -
Decision Reference DRN3651759
6 Dec 2016 WDFC UK Limited UpheldBanking and creditMr B complains that WDFC UK Limited (trading as Wonga) gave him loans that he couldn’t afford to repay.backgroundMr B first borrowed from Wonga in January 2011. In total he took 22 loans from Wonga over a period of 14 months, and many of those loans were “topped up” ... (3 pages)View decision -
Decision Reference DRN6504321
21 Feb 2018 Gain Credit LLC UpheldBanking and creditMr C complains about 14 instalment loans that he took out with Gain Credit, trading as Lending Stream, (“LS”). He said that LS shouldn’t have given him the loans as they were unaffordable. backgroundMr C took out 14 instalment loans with LS and these are shown below. T... (5 pages)View decision -
Decision Reference DRN-2016613
20 Jul 2021 Advancis Limited UpheldConsumer CreditDRN-2016613 The complaint Ms O complains that Advancis Limited trading as Buddy Loans agreed loans for her which were unaffordable. What happened Ms O took the following guarantor loans with Buddy Loans: Date Amount Term Monthly Repayment Purpose Loan 1 20 June 2018 £5,000 5 years £197.62 ... (6 pages)View decision -
Decision Reference DRN-2273216
11 Feb 2021 1plus1 Loans Limited UpheldConsumer CreditDRN-2273216 Complaint Mr O has complained that 1plus 1 Loans Limited (trading as “1plus 1 Loans”) provided him with an unaffordable guarantor loan. Background 1plus 1 Loans provided Mr O with a loan of £5,000.00 in August 2017. This loan had an APR of 46.9% and a 60-month term. This all m... (6 pages)View decision -
Decision Reference DRN-3875100
5 Jan 2023 East End Fair Finance Limited UpheldConsumer CreditDRN-3875100 The complaint Mr M complains that East End Fair Finance Limited trading as Fair Finance was irresponsible to lend to him. What happened Fair Finance agreed three loans for Mr M in 2021. The first was for £230 agreed in January, to be repaid over 6 months at £46 a month. The sec... (5 pages)View decision -
Decision Reference DRN5647305
15 Jan 2014 Bank of Scotland Plc Not upheldInsurance (excluding PPI)Mr and Mrs L are unhappy as they feel their buildings and contents insurance policy was mis-sold to them. The policy was sold by Bank of Scotland plc.backgroundMr and Mrs L made a claim following a burglary at their home. When they made the claim they say they became aware of the policy... (2 pages)View decision -
Decision Reference DRN6974166
26 Jul 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMiss M complains that CURO TRANSATLANTIC LIMITED (trading as Wage Day Advance) gave her loans that 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 10 loans ... (3 pages)View decision -
Decision Reference DRN5751848
20 Sep 2018 MMP Financial Limited UpheldBanking and creditMr B complains that MMP Financial Limited (trading as Swift Sterling) was irresponsible in its lending to him.backgroundMr B took out 19 loans with Swift Sterling in 2017. He says that at the time of the loans his credit file showed that he was making use of oth... (3 pages)View decision -
Decision Reference DRN-3071792
11 Oct 2021 UK Credit Limited Not upheldConsumer CreditDRN-3071792 The complaint Mr M says UK Credit Limited lent to him irresponsibly. What happened Mr M took out a guarantor loan from UK Credit in August 2015. It was for £6,000 over 60 months. The monthly repayment was £225.20 and the total repayable was £10,809.60. Mr M says the lender fail... (3 pages)View decision
