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 5204 results
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Decision Reference DRN7761298
13 Jun 2017 MEM Consumer Finance Limited UpheldBanking and creditMiss C complains that MEM Consumer Finance Limited (trading as Payday UK) gave her loans she couldn’t afford to pay back. backgroundMiss C took out five payday loans with Payday UK. date takenamount deferrals/top upsdate repaid16 December 2009£1001 deferral29 January 201... (3 pages)View decision -
Decision Reference DRN-2946355
7 Aug 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2946355 The complaint Mr B and Mrs S complain about a loan provided to them by Loans 2 Go Limited trading as “Loans 2 Go”, which they say were unaffordable. What happened Loans 2 Go provided Mr B and Mrs S with a log book loan. The details of which are given in this table: Taken Insta... (3 pages)View decision -
Decision Reference DRN-2109577
9 Dec 2020 Everyday Lending Limited Not upheldConsumer CreditDRN-2109577 The complaint Miss H is unhappy that Everyday Lending Limited trading as Everyday Loans agreed to a loan she’d applied for as she said it was unaffordable for her. What happened In September 2018 Miss H took out a £3,000 loan with Everyday, to be repaid over 24 months with repa... (3 pages)View decision -
Decision Reference DRN-3817752
28 Nov 2022 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3817752 The complaint Mr C complains about the lack of support Bank of Scotland plc trading as Halifax (“Halifax”) offered during the pandemic regarding his overdraft. He says it acted unfairly by continuing to apply charges to his account when he was in financial difficulty. What happ... (3 pages)View decision -
Decision Reference DRN0195642
17 Feb 2021 Home Retail Group Card Services Limited Not upheldBanking and creditMr F has complained about an Argos store card account that he opened with Home Retail Group Card Services Limited (HRG). Mr F thinks HRG provided credit to him irresponsibly. background I issued a provisional decision about this complaint in November 2020 that I summarise below. Mr F opene... (3 pages)View decision -
Decision Reference DRN3185432
15 Dec 2020 Bank of Scotland Plc Not upheldBanking and creditMs B complains that Bank of Scotland Plc registered a fraud prevention marker against her without due cause. background In December 2017 Ms B got in touch with Halifax (a division of Bank of Scotland Plc) as she had noticed transactions on her current account to a gambling website that she... (3 pages)View decision -
Decision Reference DRN5315358
16 Aug 2017 Lending Stream Llc UpheldBanking and creditMr M complains that Lending Stream LLC wrongly lent him money he couldn’t afford to pay back.backgroundMr M took out six short term loans with Lending Stream between September 2011 and February 2013. He said that the business didn’t carry out proper affordability che... (3 pages)View decision -
Decision Reference DRN7953309
9 Jan 2020 Uncle Buck Finance LLP UpheldBanking and creditMr O complains that Uncle Buck Finance LLP did not carry out the correct affordability checks before it approved his loans.backgroundMr O had two loans from Uncle Buck between November and December 2014 as shown below:Loan Date AmountTermRepayment DueRepaid 15 Nov 2014£20024d£269.9028 Nov ... (3 pages)View decision -
Decision Reference DRN-2882924
19 Jun 2021 Madison CF UK Limited UpheldConsumer CreditDRN-2882924 The complaint Mr F complains about a personal loan provided to him by Madison CF UK Limited trading as “118 118 Money”, which he says was unaffordable. What happened 118 118 Money provided Mr F with a loan of £2,000.00 in April 2019. This loan had a 24- month term with a monthl... (3 pages)View decision -
Decision Reference DRN0060322
27 Dec 2017 WDFC UK Limited UpheldBanking and creditMrs H complains that WDFC UK Limited (trading as wonga.com) gave her loans that she couldn’t afford.backgroundMrs H took out a total of five loans with Wonga in November and December 2016. LoanDateAmountTotal repayment inc. interestClosed 1 16.11.16£100£101.6018.11.16 2 21.1... (3 pages)View decision
