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 17876 results
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Decision Reference DRN-2593570
22 Mar 2021 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2593570 The complaint Ms S says Provident Personal Credit Limited trading as Satsuma, has not administered her loan accounts correctly. Ms S has tried to arrange a repayment plan for her loans. She says she has not been able to do this due to the actions of Satsuma. And she also says S... (3 pages)View decision -
Decision Reference DRN-4522384
22 Apr 2024 Zopa Bank Limited Not upheldBanking and PaymentsDRN-4522384 The complaint Mr E complains that Zopa Bank Limited (“Zopa”) irresponsibly granted him two credit cards he couldn’t afford to repay. What happened In February 2022 Mr E entered into an agreement with Zopa to have access to credit by way of a credit card account. He was given a ... (2 pages)View decision -
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 DRN2350951
26 Apr 2018 Shop Direct Finance Company Limited Not upheldBanking and creditMr M complains that Shop Direct Finance Company Limited engaged in irresponsible lending to him.backgroundMr M says SDF shouldn’t have allowed him to borrow from it, due to having a bad credit rating. He says if it had looked into his finances in more detail it would... (2 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-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-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-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 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 DRN0112376
16 Jan 2019 Active Securities Limited UpheldBanking and creditMiss B has complained about short-term loans granted to her by Active Securities Limited trading as 247 Moneybox.com (“Moneybox” or “the lender”).backgroundI attach my provisional decision of 29 November 2018, which forms part of this final decision and should be read... (20 pages)View decision
