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 4619 results
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Decision Reference DRN-2313825
5 Nov 2020 Oakbrook Finance Limited UpheldConsumer CreditDRN-2313825 The complaint Mrs P has complained that Oakbrook Finance Limited, trading as Lively Loans, is holding her liable for a loan she says she didn’t take out. What happened Mrs P was abroad from 2 February 2019 to 17 February 2019. On 1 February, her bank sent her a new debit card b... (4 pages)View decision -
Decision Reference DRN1009292
12 Nov 2020 Greenlight Credit Ltd UpheldBanking and creditComplaint Mr P complains about three logbook loans Greenlight Credit Ltd lent to him between March 2017 and March 2020. The details of this complaint are well known to both parties, so I will not repeat them all again here. The adjudicator that looked at the complaint concluded that Greenl... (2 pages)View decision -
Decision Reference DRN-4813525
24 May 2024 Loans 2 Go Limited UpheldConsumer CreditDRN-4813525 The complaint Miss R has complained through a representative that Loans 2 Go Limited (“L2G”) didn’t conduct sufficient affordability checks before it lent to her. What happened L2G provided Miss R with an 18-month instalment loan of £680 on 2 December 2023. Miss R’s monthly con... (4 pages)View decision -
Decision Reference DRN-2943460
27 Jul 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2943460 The complaint Mr S complains of irresponsible credit increases to his account by Vanquis Bank Limited (Vanquis). He would like all charges applied to his account since 2014 refunded. And any negative information on his credit file amended What happened Mr S says he took out a ... (4 pages)View decision -
Decision Reference DRN3523638
15 Aug 2017 TSB Bank plc UpheldBanking and creditMs O complains that TSB Bank plc have charged a cash advance fee on a transaction and then applied interest charges incorrectly. She wants the bank to refund the fees and interest and compensate her for the inconvenience this has caused.BackgroundMs O made a £5.00 p... (2 pages)View decision -
Decision Reference DRN6007817
3 Apr 2018 Madison CF UK Limited Not upheldBanking and creditMr M complains that Madison CF UK Limited (trading as 118118 Money) sold him a loan he could not afford.backgroundIn February 2017 Mr M borrowed £2,100 from 118118 Money. He was to repay this at just over £160 a month for two years. He made one repayment in Februar... (2 pages)View decision -
Decision Reference DRN1612682
12 Feb 2018 Gain Credit LLC UpheldBanking and creditMr G complains that GAIN Credit LLC (trading as Lending Stream) lent him money he couldn’t afford to repay.backgroundMr G took out 45 instalment loans between September 2014 and January 2017. He says Lending Stream shouldn’t have agreed to lend as he was stuck in a ... (4 pages)View decision -
Decision Reference DRN9398166
10 Mar 2018 Lloyds Bank PLC Not upheldBanking and creditMr J complains that Lloyds Bank PLC irresponsibly increased his overdraft limit in 2012.backgroundMr J applied for his overdraft limit to be increased in 2012. He says Lloyds shouldn’t have agreed to that request as he couldn’t afford it. He also says that his incom... (2 pages)View decision -
Decision Reference DRN4295370
22 Dec 2017 Active Securities Limited Not upheldBanking and creditMrs T complains that Active Securities Limited, trading as 247 Moneybox, (“ASL”), gave herloans that she couldn’t afford to repay.background Mrs T was given 49 loans by ASL between April 2011 and October 2016. She has repaid allof them, although some were paid late. Th... (6 pages)View decision -
Decision Reference DRN-4217839
30 Jun 2023 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-4217839 The complaint Mr S complains that American Express Services Europe Limited (Amex) lent to him irresponsibly. What happened In February 2022, Mr S applied for a credit card from Amex. It was agreed with a limit of £8,000. Minimum payments (or more) were made until September 2022... (4 pages)View decision
