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 4726 results
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Decision Reference DRN-3261579
25 Oct 2022 Match the Cash Limited UpheldConsumer CreditDRN-3261579 The complaint Mrs K complains Match the Cash Limited trading as Guarantormyloan.tv irresponsibly lent to her. Mrs K is represented by a claims management company. For ease, I’ll refer to all submissions as if they were made directly by her. What happened Match the Cash approved... (5 pages)View decision -
Decision Reference DRN-5497428
27 May 2025 The Royal Bank of Scotland Plc Not upheldConsumer CreditDRN-5497428 The complaint Miss M complains that The Royal Bank of Scotland Plc (RBS) was irresponsible in its lending to her. She wants all interest and charges removed from her loan account, so she is only liable to repay the amount she borrowed. What happened Miss M was provided with ... (3 pages)View decision -
Decision Reference DRN-4130313
3 Aug 2023 FUND OURSELVES LIMITED Not upheldConsumer CreditDRN-4130313 The complaint Mr M complains that FUND OURSELVES LIMITED (“FOL”) lent to him irresponsibly. What happened Using information from FOL’s records here is a brief loan table: Loan Borrowed Date Closed Date Borrowed Amount Term Months Repayment Amount 1 30 September 2021 18 October ... (4 pages)View decision -
Decision Reference DRN-5059238
18 Oct 2024 Loans 2 Go Limited UpheldConsumer CreditDRN-5059238 The complaint Miss S has complained that Loans 2 Go Limited (“L2G”) acted irresponsibly when it approved her for two personal loans in January and May 2023. Background Miss S applied for two separate loans with L2G in 2023. The first loan was for £1,000 and was repayable ove... (3 pages)View decision -
Decision Reference DRN-5025596
2 Oct 2024 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5025596 The complaint Mr T complains that Mitsubishi HC Capital UK PLC trading as Novuna Personal Finance lent irresponsibly when it approved his loan application. What happened In July 2021, Mr T applied for a loan of £1,500 with Novuna. In his application, Mr T said he was employ... (3 pages)View decision -
Decision Reference DRN-3998747
6 Mar 2023 Oakbrook Finance Limited UpheldConsumer CreditDRN-3998747 The complaint Mr K complains that Oakbrook Finance Limited trading as Oakbrook Loans lent him an unaffordable loan. What happened I issued a provisional decision on this case n 13 February 2023 where I set out a detailed background to this complaint and my provisional findings.... (3 pages)View decision -
Decision Reference DRN5846049
25 Aug 2015 The Royal Bank of Scotland Plc Not upheldBanking and creditMiss E complains that The Royal Bank of Scotland Plc will not refund a series of disputed debit card transactions made to her account which have affected her credit record.backgroundMiss E opened an account with RBS in January 2014. She has made a number of claims ... (2 pages)View decision -
Decision Reference DRN-4058766
26 Apr 2023 Revolut Ltd Not upheldBanking and PaymentsDRN-4058766 The complaint Mr R complains that Revolut Ltd are holding him liable for payments that he says he didn’t make or otherwise authorise. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief overview of some of the key... (2 pages)View decision -
Decision Reference DRN2027576
12 Apr 2016 Skrill Limited Not upheldBanking and creditMr H holds an electronic money account with Skrill Limited which he uses for online gaming. Mr H wants Skrill to reverse payments made to online gaming sites which he says operated illegally.backgroundMr H complained to Skrill after he discovered one gaming site used ... (2 pages)View decision -
Decision Reference DRN-3314987
7 Sep 2022 Oplo HL Ltd Not upheldMortgagesDRN-3314987 The complaint Mr G has said that Oplo HL Ltd didn’t carry out sufficient checks when it granted him a secured loan in 2020. He says he was gambling heavily and the lending was based on his non-guaranteed overtime, which he feels was irresponsible on the part of the lender. What... (4 pages)View decision
