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 DRN1794243
10 May 2019 Stagemount Limited UpheldBanking and creditMr G says Stagemount Limited (trading as Quid Market) irresponsibly lent to him and then didn’t treat him positively and sympathetically when he was unable to repay his loan.backgroundThis complaint is about a payday loan Quid Market provided to Mr G on 25 March ... (3 pages)View decision -
Decision Reference DRN-4287257
27 Oct 2023 Tandem Personal Loans Ltd UpheldConsumer CreditDRN-4287257 The complaint Mr L complains that Oplo PL Ltd (“Oplo”) irresponsibly granted him a personal loan agreement he couldn’t afford to repay. What happened In February 2019, Mr L took out a personal loan with Oplo. Oplo says the stated purpose was home improvements. Under the terms o... (3 pages)View decision -
Decision Reference DRN6819788
13 Oct 2017 Nextcredit Limited UpheldBanking and creditMr S complains that Nextcredit Limited gave him loans that he couldn’t afford to pay back.backgroundMr S took out 9 loans with Nextcredit between December 2014 and March 2015.loan date taken amountdeferrals/top ups date repaid15 December 2014£10011 December 2014214 Decembe... (3 pages)View decision -
Decision Reference DRN-2870114
22 Sep 2021 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-2870114 The complaint Mr B complains Bank of Scotland plc, trading as Lloyds Bank, will not refund some disputed transactions. What happened Mr B complained to Lloyds about some transactions on his account made to an online betting company – W. The payments were made over a 6-day peri... (3 pages)View decision -
Decision Reference DRN-3374869
16 Mar 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3374869 The complaint Mr H, through a representative, says Loans 2 Go Limited lent to him irresponsibly. What happened Mr H took out two instalment loans from Loans 2 Go. A summary of his borrowing follows. Mr H says the lender failed to carry out an effective affordability assessment ... (3 pages)View decision -
Decision Reference DRN-2051800
11 Aug 2020 Western Circle Ltd UpheldConsumer CreditDRN-2051800The complaintMs T says Western Circle Ltd (trading as Cashfloat) irresponsibly lent to her.What happenedThis complaint is about five instalment loans Cashfloat provided to Ms T between December 2018 and February 2020. Ms T’s borrowing history is as follows: Loan number Principal... (3 pages)View decision -
Decision Reference DRN-4388699
13 Dec 2023 Penny Post Credit Union Limited Not upheldConsumer CreditDRN-4388699 The complaint Mr C says Penny Post Credit Union Limited irresponsibly lent to him. What happened Mr C took out a loan for £3,000 over 60 months from Penny Post on 29 March 2021. The monthly repayments were £83.37 and the total repayable was £5,012.78. Mr C says he was £20,000 i... (3 pages)View decision -
Decision Reference DRN8899127
31 Jan 2019 Uncle Buck Finance LLP UpheldBanking and creditMr T complains that Uncle Buck Finance LLP (Uncle Buck) didn’t carry out proper affordability checks and shouldn’t have agreed to lend him 5 loans as he couldn’t pay them back.backgroundMr T took out 5 loans between July 2017 and November 2017. A summary of his borr... (3 pages)View decision -
Decision Reference DRN-4904119
26 Jul 2024 Plata Finance Limited Not upheldConsumer CreditDRN-4904119 Complaint Mr M has complained about a personal loan Plata Finance Limited (“Plata”) provided to him. He says the loan was unaffordable and shouldn’t have been provided to him as this ought to have been apparent from his credit history. Background Plata initially provided Mr... (3 pages)View decision -
Decision Reference DRN-3079881
4 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3079881 The complaint Mrs N complains that NewDay Ltd irresponsibly increased the credit limit on her credit card account to unaffordable levels. What happened Mrs N says she accepts that NewDay was entitled to allow her to open her credit card account in 2017. She says she was working... (3 pages)View decision