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-5303607
14 Feb 2025 Oakbrook Finance Limited Not upheldConsumer CreditDRN-5303607 The complaint Mr B complains that Oakbrook Finance Limited irresponsibly lent to him. What happened In August 2024, Mr B applied for a £3,000 loan with Oakbrook. The loan had a term of 18 months. A short while later, in November 2024, Mr B complained to Oakbrook. He said, ... (3 pages)View decision -
Decision Reference DRN-4444139
27 Nov 2023 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4444139 Complaint Miss S complains that Moneybarn No.1 Ltd (“Moneybarn”) unfairly entered into a conditional- sale agreement with her. She’s said the agreement was unaffordable and so she shouldn’t have been accepted for it. Background In April 2019, Moneybarn provided Miss S with fina... (3 pages)View decision -
Decision Reference DRN-4697621
8 Apr 2024 Admiral Financial Services Limited Not upheldConsumer CreditDRN-4697621 The complaint Mr H complains that Admiral Financial Services Limited trading as Admiral Money, lent to him irresponsibly. What happened In April 2019, Mr H applied for and received a loan of £5,000 from Admiral for a car. It was to be repaid in 60 monthly instalments of £122.12... (3 pages)View decision -
Decision Reference DRN-4285393
16 Nov 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4285393 The complaint Mr D complains that Barclays Bank UK PLC placed an adverse fraud marker against his name unfairly. What happened As both parties are familiar with the circumstances of this complaint, I’ve only summarised them briefly below. Mr D held a bank account with Barclays.... (3 pages)View decision -
Decision Reference DRN6764159
19 Apr 2017 Casheuronet UK LLC UpheldBanking and creditMr C complains that CashEuroNet UK LLC (trading as QuickQuid) was irresponsible to lend money to him. backgroundMr C took out two loans, including tops ups with Quick Quid during the beginning of 2016. He also took out loans with Quick Quid in the years before thi... (2 pages)View decision -
Decision Reference DRN1875066
16 May 2014 Bank of Scotland Plc Not upheldBanking and creditThis complaint is about a mortgage Mr E holds with Bank of Scotland plc trading as Halifax. Mr E complains that he was wrongly advised to take a mortgage with a ten-year fixed rate.backgroundMr E took out the mortgage – his first – in 2008. It was an advised sale; that is, one where ... (2 pages)View decision -
Decision Reference DRN-5495489
18 Aug 2025 Vanquis Bank Limited Not upheldConsumer CreditDRN-5495489 The complaint Mr A complains that Vanquis Bank Limited (‘Vanquis’) irresponsibly agreed to lend to him by way of a loan agreement he couldn’t afford to repay. What happened In November 2022, Mr A took out a personal loan in the form of a fixed sum loan agreement with Vanqui... (3 pages)View decision -
Decision Reference DRN-3709452
20 Sep 2022 London Mutual Credit Union Limited Not upheldConsumer CreditDRN-3709452 The complaint Mr R complains that London Mutual Credit Union Limited (‘London Mutual’) irresponsibly gave him a loan that he couldn’t afford. What happened In March 2015, Mr R applied for a credit account with London Mutual. Mr R applied for a loan of £5,000. London Mutual offe... (3 pages)View decision -
Decision Reference DRN-3234302
4 Jan 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3234302 The complaint Mr K complained that Loans 2 Go Limited lent to him irresponsibly and provided loans that were unaffordable. What happened Mr K took out loans with Loans 2 Go as follows: Loan Date opened Date closed Loan amount Instalments Monthly repayment 1 8/05/2019 8/10/2019 ... (6 pages)View decision -
Decision Reference DRN-3564615
27 Jun 2022 Evergreen Finance London Limited UpheldConsumer CreditDRN-3564615 The complaint Ms I complains that Evergreen Finance London Limited (trading as Moneyboat) was irresponsible to lend to her. What happened Ms I had three loans from Moneyboat between January 2018 and January 2019 as seen below: Loan Date Amount Term Monthly Repayment Due Repaid ... (3 pages)View decision
