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 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 -
Decision Reference DRN-3664661
12 Sep 2022 Valour Finance Limited Not upheldConsumer CreditDRN-3664661 The complaint Mr C complained about several aspects relating to the lending by Valour Finance Limited trading as Savvy.co.uk. He complains that it lent to him irresponsibly. Mr C also complains that Savvy wrongly accused him of credit fraud. And Mr C complains that Savvy mis-ma... (6 pages)View decision -
Decision Reference DRN-3309392
18 Feb 2022 Indigo Michael Limited Not upheldConsumer CreditDRN-3309392 The complaint Miss H has complained that Indigo Michael Limited trading as SafetyNet Credit (SNC) provided a credit facility she couldn’t afford to repay. Miss H is also unhappy with the communication and information she was given by SNC during the time when it was investigatin... (5 pages)View decision -
Decision Reference DRN8871207
14 May 2015 Mobile Money Limited Not upheldBanking and creditMr P complains that Mobile Money Limited (“MML”) did not check his credit file and bank statements before providing him with 12 loans from 2008 - 2014, and that it acted irresponsibly in providing him with these loans.backgroundMr P took out 12 loans with MML secure... (3 pages)View decision -
Decision Reference DRN-4014790
11 Apr 2023 J D Williams & Company Limited Not upheldConsumer CreditDRN-4014790 The complaint Mr L complains that J D Williams & Company Limited (“J D Williams”), trading as Jacomo, irresponsibly granted him a catalogue shopping account he says he couldn’t afford to repay. What happened In May 2019 Mr L entered into an agreement with J D Williams to ha... (2 pages)View decision -
Decision Reference DRN-4507003
13 Dec 2023 Vanquis Bank Limited UpheldConsumer CreditDRN-4507003 Complaint Mr M has complained about a personal loan Vanquis Bank Limited (“Vanquis”) provided to him. He says the loan was unaffordable and was therefore irresponsibly lent to him. Background Vanquis provided Mr M with a loan for £1,500.00 in March 2023. This loan had an APR of... (4 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 DRN-4949982
6 Aug 2024 Yorkshire Building Society Not upheldMortgagesDRN-4949982 The complaint Ms S has complained about irresponsible lending from her mortgage lender, Yorkshire Building Society trading as Chelsea Building Society and referred to here as YBS. Ms S is also unhappy that her mortgage remains on an interest-only rather than a capital repaym... (3 pages)View decision -
Decision Reference DRN-3803726
28 Nov 2022 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3803726 The complaint Ms F says The Royal Bank of Scotland Plc (RBS) irresponsibly lent to her. What happened Ms F applied for a credit card in February 2011. She was given a £6,300 credit limit. Ms F says she shouldn’t have been given this card, and her limit should never have been in... (3 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
