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
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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 DRN0953626
12 Oct 2020 Everyday Lending Limited Not upheldBanking and creditMr O has complained that Everyday Lending Limited trading as Everyday Loans lent to him irresponsibly. background Mr O was given a loan of £2,093 by Everyday Loans in March 2014. This was due to be repaid in 24 monthly instalments of around £190. The total amount payable, including intere... (3 pages)View decision -
Decision Reference DRN6490645
16 Apr 2020 Gain Credit LLC Not upheldBanking and creditComplaintMr S has complained about a running account facility he took out with Gain Credit LLC (trading as “Drafty”) in November 2016. He says Drafty should never have given the facility in the first place.BackgroundOne of our adjudicators reviewed what Mr S and Drafty had told us. And he ... (3 pages)View decision -
Decision Reference DRN-4812288
22 May 2024 National Westminster Bank Plc Not upheldConsumer CreditDRN-4812288 The complaint Ms H complains that National Westminster Bank Plc (‘NatWest’) irresponsibly gave her two loans that she couldn’t afford to repay. What happened In March 2022, Ms H applied for a loan with NatWest. She was given a loan of £7,450 repayable over 39 months with a mont... (3 pages)View decision -
Decision Reference DRN-4334915
5 Jan 2024 Madison CF UK Limited Not upheldConsumer CreditDRN-4334915 The complaint Mrs G complains that Madison CF UK Limited, trading as 118 118 Money (“Madison”) irresponsibly granted her two loans she couldn’t afford to repay. What happened In October 2020 Mrs G took out a fixed sum loan agreement for a loan for £2,000 that was payable over 2... (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 DRN-3211928
18 Feb 2022 Sainsbury's Bank Plc UpheldConsumer CreditDRN-3211928 The complaint Mr H complains Sainsbury’s Bank Plc (trading as Sainsbury’s Finance) gave him four unaffordable loans. What happened Mr H took out two loans – the second within two weeks of the first – in August 2016 and a further two loans in April 2017 and June 2017. The origin... (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-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-3022735
23 Sep 2021 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3022735 The complaint Miss S has complained that Lloyds Bank Plc (“Lloyds”) should not have increased her overdraft limit given her circumstances at the time, and that it continued charging her excessive amounts for her overdraft when she was in financial difficulty. What happened Miss... (3 pages)View decision
