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 18463 results
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Decision Reference DRN-2909131
16 Aug 2021 Vehicle Credit Limited Not upheldConsumer CreditDRN-2909131 The complaint Mr R is unhappy with the service provided by Vehicle Credit Limited (‘VCL’), when they supplied him with a car under a hire purchase agreement. What happened On 8 July 2017, Mr R was supplied with a used car through a hire purchase agreement with VCL. The agreemen... (5 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-4333931
20 Sep 2023 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4333931 The complaint Mr S, who is represented in this complaint by his father, complained to Lloyds Bank PLC (“Lloyds”) in October 2022 about an overdraft facility that was provided in 2013. Mr S says Lloyds acted irresponsibly in providing him with overdraft facilities and that they ... (3 pages)View decision -
Decision Reference DRN-2293573
30 Oct 2020 S.D. Taylor Limited UpheldConsumer CreditDRN-2293573 The complaint Miss M complains that S.D. Taylor Limited (trading as Loans at Home (LAH)) lent to her irresponsibly. What happened Our adjudicator thought the complaint should be upheld in part. LAH disagreed with the adjudicator’s opinion. The complaint was then passed to an om... (7 pages)View decision -
Decision Reference DRN9795459
28 Jul 2015 MEM Consumer Finance Limited UpheldBanking and creditMr C has complained that MEM Consumer Finance Limited, trading as Payday UK, lent him money without doing proper checks to show that he could afford to repay it.backgroundIn January and February 2013 Mr C took out three loans with Payday UK. He repaid the first tw... (2 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-4601483
14 Mar 2024 Lendable Ltd Not upheldConsumer CreditDRN-4601483 The complaint Mr K complains that Lendable Ltd lent irresponsibly when it approved a loan application he made. What happened Mr K applied for a loan of £10,000 plus fees of £590 in April 2021. In his application, Mr K said he was employed full time with an income of £2,796 a m... (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 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
