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-2586619
12 Feb 2021 Gain Credit LLC UpheldConsumer CreditDRN-2586619 The complaint Mr J complains about eleven loans that he took out with Gain Credit LLC, trading as Lending Stream, (“LS”), which he said were unaffordable. He also complains that LS didn’t respond to his request for help with his financial difficulties. What happened Mr J was gi... (9 pages)View decision -
Decision Reference DRN3259480
1 May 2020 Harvey & Thompson Limited Not upheldBanking and creditMrs F’s complaint is about two loans she took with Harvey and Thompson Limited (H&T). Mrs F says these loans were unaffordable.backgroundH&T provided Mrs F with two instalment loans between November 2017 and April 2018. The loans are detailed below:Loan DateTakenDateRepaidInstalmen... (2 pages)View decision -
Decision Reference DRN0114228
21 Jun 2018 Western Circle Limited UpheldBanking and creditMr P complains that Western Circle Ltd, trading as Cashfloat, gave him loans he couldn’t afford to repay.backgroundMr P took out the following loans with Cashfloat: date £ amount borrowedno./£ amount of repayment(s) (rounded)date repaid 118 January 20172001/2663 February 201... (3 pages)View decision -
Decision Reference DRN8453375
6 Nov 2017 WDFC UK Limited UpheldBanking and creditMr S complains that WDFC UK Limited, trading as Wonga, gave him loans that he couldn’t afford to pay back.backgroundMr S took out 16 loans with Wonga between February 2012 and April 2013.loandate takenamountdeferrals/top upsdate repaid17 February 2012£10024 February 201... (3 pages)View decision -
Decision Reference DRN9552049
4 Jul 2014 Kleinwort Benson Bank Ltd Not upheldInvestment and pensionsMr A had a discretionary management arrangement with Kleinwort Benson Bank Ltd. Mr A’s complaint is that Kleinwort Benson converted his investments – both pension and non- pension - to ‘cash’ holdings without his consent and without informing him before doing so. He considers that Kleinw... (7 pages)View decision -
Decision Reference DRN2848627
6 Jun 2017 Lending Stream Limited UpheldBanking and creditMr C complains that Lending Stream LLC made short-term lending to him when it shouldn’t have.backgroundLending Stream made seven short-term loans to Mr C. He later complained that they hadn't been affordable for him.Our investigator recommended that the complaint... (3 pages)View decision -
Decision Reference DRN4325148
14 Dec 2016 Provident Personal Credit Limited UpheldBanking and creditMr D has complained about two loans taken out with Provident Personal Credit Limited, trading as Satsuma Loans (“Satsuma” or “the lender”).backgroundSatsuma agreed two loans for Mr D – one for £250 in September 2014 and a second in March 2016 for an amount of £500. Both... (2 pages)View decision -
Decision Reference DRN2074639
17 Mar 2020 Harvey & Thompson Limited UpheldBanking and creditMr J complains that Harvey and Thompson Limited (‘H&T’) lent irresponsibly to him. backgroundOn 25 July 2017, Mr J borrowed £500 from H&T. Before it agreed to lend that amount, H&T asked Mr J to provide information about his income and expenditure. It also undertook a credit ch... (3 pages)View decision -
Decision Reference DRN-4507745
3 Apr 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4507745 The complaint Ms R, via a third party, complains that Moneybarn No. 1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with her. She says that due to her personal and financial circumstances at the relevant time the agreement was unaffordable. What happe... (3 pages)View decision -
Decision Reference DRN-4172294
6 Jun 2023 Santander UK Plc UpheldBanking and PaymentsDRN-4172294 Complaint Mr M has complained that Santander UK Plc (“Santander”) irresponsibly provided him with an overdraft which it continued applying charges on even when he was in financial difficulty. Background One of our adjudicators looked at Mr M’s complaint and thought we could loo... (3 pages)View decision