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
-
Decision Reference DRN-2895527
29 Jun 2021 TFS Loans Limited UpheldConsumer CreditDRN-2895527 The complaint Mr P says TFS Loans Limited lent to him irresponsibly. What happened Mr P took out a guarantor loan from TFS in December 2015. It was for £7,500 over 60 months. The monthly repayment was £270.25 and the total repayable was £16755. Mr P says he was given a loan he ... (3 pages)View decision -
Decision Reference DRN3584047
25 Apr 2018 Provident Personal Credit Limited Not upheldBanking and creditMr H complains that Provident Personal Credit Limited (trading as Satsuma Loans) gave him instalment loans he couldn’t afford. He wants a refund of his interest and charges, with interest, and his credit file amended.background Mr H had six loans from Satsuma between Oc... (2 pages)View decision -
Decision Reference DRN-2569704
8 Mar 2021 Lendable Ltd Not upheldConsumer CreditDRN-2569704 Complaint Mr P has complained about a loan Lendable Limited (“Lendable”) provided to him. He says the loan was unaffordable. Background Lendable provided Mr P with a loan of £1,000.00 in June 2019. This loan was due to be repaid in 35 monthly instalments of £37.09 and a final i... (2 pages)View decision -
Decision Reference DRN-2030239
13 Aug 2020 Gain Credit LLC Not upheldConsumer CreditDRN-2030239The complaintMr S complains Gain Credit LLC (“Lending Stream”) lent him money he couldn’t afford to repay. What happenedMr S took out an instalment loan with Lending Stream. The details for this loan are:Dateamountinstalmentsmonthly repayment Repayment date12 January 2012£2956up... (3 pages)View decision -
Decision Reference DRN-5038043
15 Oct 2024 Madison CF UK Limited UpheldConsumer CreditDRN-5038043 The complaint Mr M says Madison CF UK Limited, trading as 118 118 Money, irresponsibly lent to him What happened Mr M took out a loan for £3,000 over 12 months from 118 118 Money. The monthly repayments were £335.18 and the total repayable was £4,022.16. Mr M says he spent a... (3 pages)View decision -
Decision Reference DRN-3662836
23 Aug 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3662836 The complaint X has complained that the overdraft facility on his HSBC UK Bank Plc (“HSBC”) account was unaffordable and the charges applied to it have left him in persistent debt. What happened X complained to HSBC regarding the affordability of his overdraft and that the char... (3 pages)View decision -
Decision Reference DRN-4661679
5 Mar 2024 Brent Shrine Credit Union Limited UpheldConsumer CreditDRN-4661679 The complaint Mr P says Brent Shrine Credit Union Limited, trading as My Community Bank, irresponsibly lent to him. What happened Mr P took out a 48-month loan for £20,000 on 5 July 2022. The monthly repayments were £552.97 and the total repayable was £26,939.91. Mr P says Bren... (3 pages)View decision -
Decision Reference DRN-2883002
29 Oct 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2883002 The complaint Mr W says Vanquis Bank Limited acted irresponsibly when providing him with a credit card in 2009. What happened In January 2009 Mr W applied for a credit card with Vanquis. His application was approved with a limit of £250. The account defaulted in 2011 and was su... (2 pages)View decision -
Decision Reference DRN-1670932
17 Apr 2020 Chetwood Financial Limited Not upheldConsumer CreditDRN-1670932The complaintMrs B complains that Chetwood Financial Limited (“CFL”) lent to her irresponsibly.What happenedAt the beginning of April 2018 Mrs B applied for a loan with CFL through a third party agency. The loan was for £3,000 over a period of 12 months and the monthly repayment... (2 pages)View decision -
Decision Reference DRN-2946526
12 Aug 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2946526 The complaint Ms Y says Loans 2 Go Limited lent to her irresponsibly. What happened Ms Y took out an 18-month loan for £800 on 17 May 2020. The monthly repayment was £182.84 and the total repayable was £3291.12. She says the lender did not carry out the correct checks. Our adju... (3 pages)View decision
