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 4830 results
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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 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 DRN3985697
12 Jan 2018 Lending Stream Llc UpheldBanking and creditMr H complains that Lending Stream LLC gave him unaffordable instalment loans and changed the amount it said he owed. He wants a refund of his interest and charges and for his credit file to be amended.backgroundMr H had six loans from Lending Stream between April and... (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 DRN-2256145
17 Dec 2020 Oakbrook Finance Limited Not upheldConsumer CreditDRN-2256145 The complaint Mr S has complained that the loan provided by Oakbrook Finance Limited trading as Likely Loans (Likely Loans) was provided irresponsibly. What happened Mr S applied for a loan of £2,500 from Likely Loans on 7 August 2017. The purpose of the loan was debt consolida... (3 pages)View decision -
Decision Reference DRN6483714
17 Apr 2020 CMC Spreadbet Plc Not upheldInvestment and pensionsMs M complains that CMC Spreadbet Plc (CMC) unfairly liquidated her positions on SPX 500 (Cash) and US30 (Cash).backgroundMs M had an execution-only relationship with CMC. On 5 December 2018 she had buy bets of £40 per point on SPX 500 and £50 per point on US30.She complained that CMC used... (3 pages)View decision -
Decision Reference DRN-2813355
5 Aug 2021 Gain Credit LLC Not upheldConsumer CreditDRN-2813355 The complaint Mr M complains that Gain Credit LLC, trading as Lending Stream, lent to him irresponsibly. What happened Using information from Lending Stream’s records, here is a brief table of approved loans. loan date taken date repaid amount borrowed term highest repayment 1 ... (3 pages)View decision -
Decision Reference DRN-3250767
21 Feb 2022 Principality Building Society Not upheldMortgagesDRN-3250767 The complaint Mr C and Mrs M are unhappy Principality Building Society (“PBS”) declined their mortgage application. What happened Mr C and Mrs M were applying for a mortgage via a broker. The broker obtained an illustration from PBS on 19 October 2020. Based on this illustratio... (3 pages)View decision -
Decision Reference DRN-4723291
12 Apr 2024 Oakbrook Finance Limited Not upheldConsumer CreditDRN-4723291 Complaint Mr B has complained about a loan Oakbrook Finance Limited (trading as “Finio Loans”) provided to him. He says the loan was unaffordable given his circumstances at the time and so shouldn’t have been provided. Background Finio Loans provided Mr B with a loan for £1,000... (3 pages)View decision -
Decision Reference DRN-4409063
29 Nov 2023 Logbook Lending Limited Not upheldConsumer CreditDRN-4409063 The complaint Mr A complains that Logbook Lending Limited (“Logbook Lending”) lent to him irresponsibly. What happened Mr A took out a loan with Logbook Lending in January 2023, secured against his car. The loan was for £500 and was repayable by way of 78 monthly payments of £7... (3 pages)View decision
