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-2695210
22 Apr 2021 Western Circle Ltd Not upheldConsumer CreditDRN-2695210 The complaint Mr M complains that Western Circle Ltd trading as Cashfloat and paydayloansnet (PDNET) lent to him irresponsibly. What happened Mr M says that he was very badly in debt at the time he applied for the two loans with Western Circle. Using information from Western C... (3 pages)View decision -
Decision Reference DRN-4937895
14 Aug 2024 Salad Finance Limited Not upheldConsumer CreditDRN-4937895 The complaint Mr M complains that Salad Finance Limited lent to him irresponsibly. What happened Mr M took one loan in November 2023 for £500. The monthly repayment cost was £57.52 for 12 months. The total to repay including interest was £689.58. After Mr M had complained S... (3 pages)View decision -
Decision Reference DRN3580495
30 Nov 2018 Bank of Scotland Plc Not upheldBanking and creditMr H and Miss W complain that Bank of Scotland plc, trading as Halifax, didn’t review their financial situation or provide assistance when they approached the bank for help in previous years. They would like Halifax to write off, or reduce their overdraft.backgroundMr H... (3 pages)View decision -
Decision Reference DRN0861241
29 Aug 2018 Everyday Loans Limited Not upheldBanking and creditMr R complains that the loan provided to him by Everyday Loans Limited was unaffordable. He’d like it to refund at least half of the interest he’d paid. In addition Mr R is unhappy at the time taken by Everyday Loans Limited to respond to his complaint.backgroundIn... (3 pages)View decision -
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-3502762
30 May 2022 Avantcredit Of Uk, Llc Not upheldConsumer CreditDRN-3502762 The complaint Mr D complains that AvantCredit of UK, LLC (“AvantCredit”) lent to him in an irresponsible manner. What happened I issued a provisional decision on this complaint in April 2022. In that decision I explained why I didn’t think the complaint should be upheld. Both p... (3 pages)View decision -
Decision Reference DRN-1528415
26 Jun 2020 Provident Personal Credit Limited Not upheldConsumer CreditMr P says Provident Personal Credit Limited, trading as Satsuma, irresponsibly lent to him. background This complaint is about a loan Satsuma provided to Mr P in October 2018 for £800, to be repaid over 12 months. Our adjudicator thought about Mr P’s complaint and felt Satsuma had lent to ... (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