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 5210 results
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Decision Reference DRN-2784008
25 May 2021 TFS Loans Limited UpheldConsumer CreditDRN-2784008 The complaint Mrs H has complained that TFS Loans Limited (“TFS Loans”) provided her with an unaffordable loan. What happened TFS Loans provided Mrs H with a loan of £2,000.00 in November 2010. This loan had a 30- month term with a monthly repayment amount of £143.73. This all ... (4 pages)View decision -
Decision Reference DRN-4074489
22 May 2023 Bamboo Limited UpheldConsumer CreditDRN-4074489 The complaint Mr B says Bamboo Limited, trading as Bamboo Loans, irresponsibly lent to him. What happened This complaint is about a 24-month instalment loan for £3,500 that Bamboo provided to Mr B on 12 April 2022. The monthly repayments were £222.62 and the total repayable was... (3 pages)View decision -
Decision Reference DRN-1512380
25 Jun 2020 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-1512380 The complaintMr C complains that Bank of Scotland plc trading as Halifax (Halifax) lent to him irresponsibly over the last 10 years or so. What happenedOur investigator’s background summary covered all the relevant facts and issues, and is known to both Mr C and Halifax, so the... (3 pages)View decision -
Decision Reference DRN-4973231
20 Aug 2024 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-4973231 The complaint Miss K says Sainsbury's Bank Plc irresponsibly lent to her. What happened Miss K opened a credit card account with Sainsbury’s Bank in March 2020. She was given a credit limit of £3,000. This was increased to £4,200 in June 2022. The account defaulted in O... (3 pages)View decision -
Decision Reference DRN-5434691
28 Mar 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5434691 The complaint Mr K is unhappy that Revolut Ltd won’t reimburse payments that he says he didn’t authorise. What happened Mr K was in a relationship with someone (“D”). I understand that during that relationship, as a result of duress and coercive control, D had access to Mr ... (3 pages)View decision -
Decision Reference DRN-5104540
21 Feb 2025 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5104540 The complaint Mr M has complained about a loan Mitsubishi HC Capital UK PLC trading as Novuna Personal Finance provided to him. He says the loan was unaffordable and therefore shouldn’t have been given to him. What happened On 1 March 2024 Mr M applied online for a £6,000 fi... (3 pages)View decision -
Decision Reference DRN-3188350
4 Jan 2022 Evergreen Finance London Limited UpheldConsumer CreditDRN-3188350 The complaint Mr O says Evergreen Finance London Limited (trading as MoneyBoat.co.uk) irresponsibly lent to him. What happened This complaint is about one instalment loan Moneyboat provided to Mr O in September 2020. The loan was for £550 and was to be repaid over six months in... (3 pages)View decision -
Decision Reference DRN7387954
29 Oct 2020 Loans 2 Go Limited UpheldBanking and creditMr M complains that Loans 2 Go Limited lent to him in an irresponsible manner. background Mr M was given a single loan by Loans 2 Go. He borrowed £250 in April 2018 and agreed to repay the loan in 18 monthly instalments. Mr M successfully repaid the loan in May 2019. Mr M’s complaint has b... (3 pages)View decision -
Decision Reference DRN-3369671
4 Apr 2022 Novaloans Ltd Not upheldConsumer CreditDRN-3369671 The complaint Mr D says Novaloans Ltd (trading as cash4unow) irresponsibly lent to him. He was also unhappy with its level of support when he told it about his financial difficulties. What happened This complaint is about three instalment loans Novaloans provided to Mr D betwe... (3 pages)View decision -
Decision Reference DRN8893054
20 Apr 2020 Elevate Credit International Limited UpheldBanking and creditMr H complains that Elevate Credit International Limited (trading as ‘Sunny’) lent irresponsibly to him. backgroundBetween June 2015 and March 2016, Mr H borrowed 21 loans from Sunny. His borrowing history is set out in full at the appendix to this decision. Sunny initially said it didn’t ... (4 pages)View decision
