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 5478 results
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Decision Reference DRN-4756742
22 Apr 2024 Metro Bank PLC Not upheldConsumer CreditDRN-4756742 The complaint Miss R complains that Metro Bank PLC trading as RateSetter (“Ratesetter”) irresponsibly gave her a fixed sum loan she couldn’t afford to repay. What happened In August 2022, Miss R applied for a fixed sum loan with RateSetter. She was given a loan for £7,000. The... (2 pages)View decision -
Decision Reference DRN1509962
2 Aug 2016 Uncle Buck Finance LLP Not upheldBanking and creditMr A complains that Uncle Buck Finance LLP gave him unaffordable payday loans. He wants a refund of the interest and charges he paid with interest.background Mr A took out 10 loans with Uncle Buck between 2013 and 2015. All the loans were repaid but all but one of the... (2 pages)View decision -
Decision Reference DRN5520342
22 Apr 2015 Barclays Bank Plc Not upheldBanking and creditMr J’s mother (Mrs K) complains, on behalf of Mr J, that Barclays Bank PLC allowed her son to become overdrawn, even though it knew he had an illness that affected his financial judgement and his account had no overdraft facility.backgroundWhen Mr J made almost ... (2 pages)View decision -
Decision Reference DRN9260897
28 Jun 2019 PDL Finance Limited UpheldBanking and creditMiss G complains that PDL Finance Limited, trading as Mr Lender, lent to her irresponsibly.backgroundI attach my provisional decision dated 20 June 2019, which forms part of this final decision and should be read in conjunction with it. In my provisional decision I ex... (5 pages)View decision -
Decision Reference DRN-1653474
9 Sep 2020 Advancis Limited UpheldConsumer CreditDRN-1653474The complaintMrs H has complained that Advancis Limited trading as Buddy Loans irresponsibly provided her with an unaffordable guarantor loan. What happenedMrs H was given a guarantor loan by Buddy Loans in April 2017 for £3,500. Mrs H’s loan was to be repaid in 60 monthly insta... (5 pages)View decision -
Decision Reference DRN-4109717
12 May 2023 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-4109717 The complaint Miss G complains that Specialist Motor Finance Limited (SMFL) irresponsibly granted her a hire purchase agreement she couldn’t afford to repay. What happened In May 2019, Miss G acquired a used car financed by a hire purchase agreement from SMFL. Miss G was requir... (2 pages)View decision -
Decision Reference DRN7698140
11 Apr 2018 My Finance Club Limited Not upheldBanking and creditMs S complains that My Finance Club Limited (trading as Monkey Dosh) lent her money that she couldn’t afford to repay. She wants Monkey Dosh to refund any interest and charges she’s paid and pay compensation.Ms S is represented in this complaint by a claims management ... (2 pages)View decision -
Decision Reference DRN2998105
16 May 2017 Casheuronet UK LLC UpheldBanking and creditMr M has complained about three instalment loans given to him by Casheuronet UK LLC (trading as Pounds to Pocket). Mr M took out his first loan in September 2012, his second loan in April 2013 and his final loan in January 2014. Mr M has said the loans were unafford... (5 pages)View decision -
Decision Reference DRN-1662745
9 Sep 2020 UK Credit Limited UpheldConsumer CreditDRN-1662745The complaintMr C complains about a guarantor loan provided to him by UK Credit Limited (“UKC”) which he says was unaffordable. What happenedUKC provided Mr C with a loan of £10,000 on 30 October 2017 which was secured by a guarantor. The loan was to be repaid over five years wi... (4 pages)View decision -
Decision Reference DRN5734098
10 Mar 2020 Gain Credit LLC UpheldBanking and creditMiss W complains about four instalment loans that she took out with Gain Credit LLC, trading as Lending Stream, (“LS”). She said, in summary, that LS shouldn’t have given her the loans as they were unaffordable. backgroundThis complaint is about four short term loans LS provided to Miss W... (5 pages)View decision