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-1953826
7 Sep 2020 S.D. Taylor Limited UpheldConsumer CreditDRN-1953826The complaintMrs M says S.D. Taylor Limited trading as Loans At Home (LAH) lent to her irresponsibly. She says that the representative didn’t really consider her circumstances or the information she provided at the time of sale. If he had done she says LAH wouldn’t have lent to ... (3 pages)View decision -
Decision Reference DRN-3116146
24 Oct 2021 TFS Loans Limited UpheldConsumer CreditDRN-3116146 The complaint Mr M has complained that TFS Loans Limited (“TFS Loans”) provided him with an unaffordable loan. What happened TFS Loans provided Mr M with a loan of £5,000 in August 2010. This loan had a 48-month term with a monthly repayment amount of £244.80. This all meant th... (4 pages)View decision -
Decision Reference DRN-3525146
20 Jul 2022 NewDay Ltd UpheldBanking and PaymentsPage 1 of 3The complaint Ms C says NewDay Ltd (‘NewDay’) irresponsibly lent to her. What happened This complaint is about a credit card account NewDay provided. The account was opened in November 2015. Ms C was given an initial credit limit of £450. This limit was increased three times unt... (3 pages)View decision -
Decision Reference DRN6563949
21 Jan 2020 Gain Credit LLC Not upheldBanking and creditMr G complains about information which Gain Credit LLC (trading as Lending Stream) recorded on his credit file.backgroundMr G took out two loans with Lending Stream in 2013.LoanDateAmountNo. of instalments104.08.13£5006220.09.13£2506Mr G made the repayments due in August and September 2013... (3 pages)View decision -
Decision Reference DRN-2841208
29 Oct 2021 Gracombex Ltd Not upheldConsumer CreditDRN-2841208 The complaint Mr B complains that Gracombex Ltd, trading as The Money Platform, should never have lent to him. What happened Using information supplied by The Money Platform, here is a brief summary of the approved loans. I have included the gaps in the lending relationship her... (4 pages)View decision -
Decision Reference DRN-4979485
21 Aug 2024 MBNA Limited Not upheldConsumer CreditDRN-4979485 The complaint Mr I complains that MBNA Limited was irresponsible to lend to him and that its customer service was lacking. What happened Mr I was approved for a loan with MBNA in July 2022 as follows: Date Amount Term Repayment 16 Jul 2022 £12,000 84 months £190.38 Mr I’s... (3 pages)View decision -
Decision Reference DRN-3487003
11 Nov 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3487003 The complaint Miss G complains through her representative that AvantCredit of UK, LLC irresponsibly provided her with a high cost loan that she couldn’t afford to repay. What happened AvantCredit provided Miss G with a loan for £1,000 on 6 October 2015 repayable over 36 months ... (3 pages)View decision -
Decision Reference DRN4222725
3 Sep 2018 Vanquis Bank Limited Not upheldBanking and creditMiss C is unhappy Vanquis Bank Limited kept increasing the credit limit on her account when she couldn’t afford it. She says this was irresponsible lending. Miss C wants the interest to be refunded and/or the balance on the account to be written off.backgroundMiss C ... (3 pages)View decision -
Decision Reference DRN-3550216
15 Jul 2022 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-3550216 The complaint Ms K says Shop Direct Finance Company Limited, trading as very, irresponsibly lent to her. What happened Ms K applied for a catalogue shopping account in April 2014. Shop Direct accepted her application and gave her an initial credit limit of £1,000. The credit li... (3 pages)View decision -
Decision Reference DRN4257762
12 May 2020 Gain Credit LLC UpheldBanking and creditMr L complains that Gain Credit LLC, trading as Lending Stream and as Drafty, lent to him irresponsibly. backgroundGain Credit LLC altered its trading names – Lending Stream and Drafty – and so for this decision I refer to it as Drafty for convenience.Drafty offered a credit facility which... (4 pages)View decision
