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 5520 results
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Decision Reference DRN7473662
22 Jan 2020 Metro Bank PLC Not upheldBanking and creditMr B complains that Metro Bank Plc won't refund four debit card payments made with hiscard. Mr B says he neither made them nor authorised anyone else to do so. Metro Banksays that they were made using the genuine card, and three of them were made using Mr B's PIN. It says it foll... (3 pages)View decision -
Decision Reference DRN8780083
15 Dec 2020 Barclays Bank UK PLC UpheldBanking and creditMr and Mrs P complain that Barclays Bank UK PLC will not refund some disputed transactions. background In October 2017 Mr and Mrs P complained to Barclays about a large amount of transactions on their account which they say they did not make. They explained their son had used their account... (3 pages)View decision -
Decision Reference DRN-2309299
28 Jan 2021 Amigo Loans Ltd UpheldConsumer CreditDRN-2309299 The complaint Mr M complains that Amigo Loans Ltd lent to him in an irresponsible manner. What happened Mr M was given two loans by Amigo in February and June 2018. His first loan, for £4,000, was repaid around a month into the planned three-year term. His second loan, for £7,5... (3 pages)View decision -
Decision Reference DRN-2468719
30 Dec 2020 Provident Personal Credit Limited UpheldConsumer CreditDRN-2468719 The complaint Mr V complained about a number of loans he took out through a company called Provident Personal Credit Limited, trading as Satsuma. Mr V says he was lent to irresponsibly and the loans caused him financial problems. To keep things simple, I’ll refer mainly to “Sat... (3 pages)View decision -
Decision Reference DRN3692567
2 May 2019 Instant Cash Loans Limited UpheldBanking and creditMr E complains that Instant Cash Loans Limited (trading as PaydayUK) lent him money that he couldn’t afford to repay.Mr E wants PaydayUK to refund the interest and charges that he paid and remove the loans from his credit file.backgroundMr E took out five instalment l... (3 pages)View decision -
Decision Reference DRN8569880
23 Jun 2017 MEM Consumer Finance Limited UpheldBanking and creditMr H complains that MEM Consumer Finance Limited (trading as Payday UK) gave him loans he couldn’t afford to repay. He asks that it refunds interest and charges.backgroundMr H took out four loans with Payday UK between April 2011 and November 2011. He says Payday UK did... (3 pages)View decision -
Decision Reference DRN-4922380
20 Aug 2024 Lendable Ltd Not upheldConsumer CreditDRN-4922380 The complaint Miss C complains that Lendable Ltd lent irresponsibly when it approved her loan application. What happened Mss C applied for a debt consolidation loan with Lendable in May 2021 for £20,000 plus interest and fees. In her application, Miss C says she was renting ... (3 pages)View decision -
Decision Reference DRN5751848
20 Sep 2018 MMP Financial Limited UpheldBanking and creditMr B complains that MMP Financial Limited (trading as Swift Sterling) was irresponsible in its lending to him.backgroundMr B took out 19 loans with Swift Sterling in 2017. He says that at the time of the loans his credit file showed that he was making use of oth... (3 pages)View decision -
Decision Reference DRN-3191125
20 Dec 2021 Gain Credit LLC UpheldConsumer CreditDRN-3191125 The complaint Ms J says Gain Credit LLC (trading as ‘Lending Stream’) irresponsibly gave her loans that she couldn’t afford because she was gambling at the time and on a low income. She said her credit file was poor and that Lending Stream provided the loans without doing prope... (6 pages)View decision -
Decision Reference DRN-4821551
25 Jun 2024 Oakbrook Finance Limited Not upheldConsumer CreditDRN-4821551 The complaint Miss T complains that Oakbrook Finance Limited (“Oakbrook”) lent to her in an irresponsible manner. What happened Miss T was given two loans by Oakbrook. She first borrowed £1,500 in January 2022 that she agreed to repay in 12 monthly instalments of £137.72. Miss ... (3 pages)View decision