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 DRN1491809
29 Sep 2016 MEM Consumer Finance Limited UpheldBanking and creditMr S complains that MEM Consumer Finance Limited (trading as Payday UK) gave him loans he couldn’t afford to repay. He asks that it refunds interest, plus 8% interest, and removes the loans from his credit files.backgroundMr S took out three loans with Payday UK betw... (2 pages)View decision -
Decision Reference DRN7932066
1 Nov 2016 Cfo Lending Limited UpheldBanking and creditMrs K complains that CFO Lending Limited lent payday loans to her irresponsibly and this trapped her in a spiral of debt. She wants a refund of the interest and charges she paid on her loans, with interest.backgroundMrs K took out four loans from CFO Lending with... (2 pages)View decision -
Decision Reference DRN7012152
5 May 2017 Lending Stream Llc UpheldBanking and creditMiss H complains Lending Stream LLC lent her money she couldn’t afford to repay.backgroundMiss H took out two instalment loans with Lending Stream:date takenamountinstalmentshighest monthly paymentDate repaid11 March 2012£1005£63.2520 April 20125 May 2012£7656£382.5028 June ... (3 pages)View decision -
Decision Reference DRN2697139
13 Oct 2017 Lending Stream Llc UpheldBanking and creditMr P complains that Lending Stream LLC gave him unaffordable instalment loans. He wants compensation and for his credit file to be amended.backgroundMr P had six loans from Lending Stream between October 2012 and March 2013. He said Lending Stream hadn’t carried out suff... (2 pages)View decision -
Decision Reference DRN-3607479
6 Dec 2022 Sainsbury's Bank Plc UpheldConsumer CreditDRN-3607479 The complaint Mr O complains that Sainsbury's Bank Plc (“Sainsbury’s”) irresponsibly granted him credit that he couldn’t afford to repay. What happened Sainsbury’s approved a £10,000 loan for Mr O in September 2021. Mr O needed to repay £12,648 through 60 monthly instalmen... (2 pages)View decision -
Decision Reference DRN8186418
8 Oct 2018 MYJAR Limited Not upheldBanking and creditMr H says MYJAR Limited lent to him irresponsibly.backgroundMYJAR provided Mr H with two instalment loans in 2016: Loan 1 for £550, repayable in six instalments of around £173. The loan was approved on 15 November and repaid early on 8 December. Loan 2 for £2,225, re... (2 pages)View decision -
Decision Reference DRN4406416
6 Jun 2019 PDL Finance Limited UpheldBanking and creditMr W complains that PDL Finance Limited (trading as Mr Lender) was irresponsible to lend to him.backgroundMr W had two instalment loans from Mr Lender between December 2017 and July 2018:Loan Date AmountTerm Due Max Repayment Repaid 17 Dec 2017£3006m1 Jun 2018£136.4028 Jun... (2 pages)View decision -
Decision Reference DRN2730255
6 Jun 2019 Valour Finance Limited Not upheldBanking and creditMr P says Valour Finance Limited, trading as Savvy.co.uk, lent to him irresponsibly.backgroundMr P took out a loan with Valour Finance in January 2017. He borrowed £2,000 and was scheduled to repay it in 18 monthly instalments of about £222. Mr P actually settled the l... (3 pages)View decision -
Decision Reference DRN5236888
23 Oct 2018 Gain Credit LLC Not upheldBanking and creditMr H complains that Gain Credit LLC (trading as Lending Stream) gave him loans that he couldn’t afford to repay.backgroundMr H was given three loans by Lending Stream between April and September 2015. Each of the loans was repayable in six monthly instalments. Mr H ... (2 pages)View decision -
Decision Reference DRN0496243
21 Dec 2018 Vanquis Bank Limited Not upheldBanking and creditMr N complains that Vanquis Bank Limited has treated him unfairly. He would like Vanquis to remove the default it recorded from his credit file.backgroundMr N had a credit card with Vanquis but after he fell into financial difficulties, Vanquis defaulted his account an... (2 pages)View decision