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 19711 results
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Decision Reference DRN-3910428
26 Jan 2023 TM Advances Limited Not upheldConsumer CreditDRN-3910428 The complaint Mr C complains TM Advances Limited irresponsibly lent to him. He says TM Advances did not give him sufficient information prior to the loan being agreed, and that TM Advances interest charges are excessive. He also complains about other customer service issues. Wh... (4 pages)View decision -
Decision Reference DRN-3356062
27 Jan 2023 PayPal (Europe) Sarl et Cie SCA UpheldBanking and PaymentsDRN-3356062 The complaint Mr S says PayPal (Europe) Sarl et Cie SCA (‘PayPal’) irresponsibly lent to him. What happened This complaint is about a credit card account PayPal provided. The PayPal Credit account was opened initially in May 2017 with a credit limit of £250. The following credi... (4 pages)View decision -
Decision Reference DRN-5696356
10 Oct 2025 Salad Finance Limited Not upheldConsumer CreditDRN-5696356 The complaint Miss W complains that Salad Finance Limited trading as SaladMoney was irresponsible in its lending to her. She wants all interest and charges removed from her loan and any adverse data removed from her credit file. What happened Miss W was provided with a £500 ... (3 pages)View decision -
Decision Reference DRN9169306
25 Oct 2019 Casheuronet UK LLC UpheldBanking and creditMr K complains that CashEuroNet UK LLC lent to him irresponsibly. At the time of the loan approval in February 2015 it traded as Pounds to Pocket. A name change means it trades more recently as OnStride. I will refer to it as CashEuroNet. backgroundMr K applied for one loan. CashEuroNet ap... (5 pages)View decision -
Decision Reference DRN-4889557
28 Aug 2024 Quidie Limited UpheldConsumer CreditDRN-4889557 The complaint Mr M complains that Quidie Limited trading as Fernovo (“Fernovo”) sent to him an unsolicited email and text in February 2024 which he took to be a lure to entice him to apply for a loan. He has experienced distress and has become angry about it. It has caused h... (2 pages)View decision -
Decision Reference DRN-2358497
8 Dec 2020 Gain Credit LLC Not upheldConsumer CreditDRN-2358497 The complaint Mr P complains that Gain Credit LLC, trading as Lending Stream, (“LS”), didn’t remove his upheld loans from his credit file when it agreed to provide redress on an irresponsible lending complaint he had made against it. What happened Mr P took out 25 short term lo... (2 pages)View decision -
Decision Reference DRN-4218978
14 Jul 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4218978 The complaint Mrs M complains that HSBC UK Bank Plc lent to her irresponsibly. What happened Mrs M applied for a credit card. HSBC approved the application and gave Mrs M a card which had a 0% offer on balance transfers for a year. Mrs M made a balance transfer of £4500 in Febr... (3 pages)View decision -
Decision Reference DRN-5394059
13 Mar 2025 ACI-UK LIMITED Not upheldConsumer CreditDRN-5394059 The complaint Mr R complains ACI-UK Limited haven’t removed a default applied to his credit file for a debt they hold when he thinks they should. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copied the relevan... (5 pages)View decision -
Decision Reference DRN8852838
16 Jan 2018 Morses Club PLC Not upheldBanking and creditMr A complains Morses Club PLC is responsible for irresponsible lending. He says he was able to take out numerous loans without proper checks being conducted. Mr A wants to be returned to the position he’d have been in prior to the loans.backgroundMr A tells us he took... (2 pages)View decision -
Decision Reference DRN-4411464
15 Nov 2023 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4411464 The complaint Miss F says Lloyds Bank PLC irresponsibly lent to her. What happened Miss F opened a credit card with Lloyds in November 2012. She was given a £750 credit limit; this was increased to £1,250 in August 2013 and to £1,750 in September 2014. It was then reduced to £1... (2 pages)View decision
