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-4480682
5 Dec 2023 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4480682 The complaint Mr S says Vanquis Bank Limited irresponsibly lent to him. What happened Mr S says Vanquis increased the limit on his credit card three times by large amounts which plunged him into debt. And he had not given his consent. Mr S opened his account in March 2017, he w... (3 pages)View decision -
Decision Reference DRN3419145
6 Aug 2019 Mobile Money Limited UpheldBanking and creditMr M has complained about a logbook loan which was provided to him by Mobile Money Limited (“Mobile Money”). He says Mobile Money shouldn’t have lent to him as it wasn’t responsible to do so because of the amount of debt he already had.backgroundMr M was provided with a logbook loan of £3,... (12 pages)View decision -
Decision Reference DRN-3046859
16 Sep 2021 Ferratum UK Ltd Not upheldConsumer CreditDRN-3046859 The complaint Mr J complains that Ferratum UK Ltd lent to him irresponsibly. Mr J also complains that Ferratum ought to have asked about his mental health when he applied for the loan in 2017. Mr J says that Ferratum has been uncooperative and threatening legal proceedings rath... (5 pages)View decision -
Decision Reference DRN0990315
20 Jun 2018 WDFC UK Limited Not upheldBanking and creditWDFC UK Limited, trading as Wonga, approved one loan after Mr T applied for it in April 2017. Mr T says that it was unaffordable and irresponsible of Wonga to lend to him. Mr T complains that his letters of complaint to Wonga last year have been ignored by it.... (4 pages)View decision -
Decision Reference DRN-4798857
30 May 2024 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4798857 The complaint Miss M complains that Tesco Personal Finance PLC trading as Tesco Bank was irresponsible in its lending to her and didn’t give her the information she needed before providing her with a loan. She wants all interest and charges refunded along with statutory interes... (4 pages)View decision -
Decision Reference DRN6183964
13 Sep 2018 Oakbrook Finance Limited Not upheldBanking and creditMr A complains that Oakbrook Finance Limited (“OFL”) engaged in irresponsible lending to him and relied on incorrect information on his credit file.backgroundMr A says OFL didn’t complete an income and expenditure form when he applied for his loan. He says he under... (2 pages)View decision -
Decision Reference DRN0281168
30 Sep 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr A complains that Lloyds TSB Bank plc has been irresponsible by agreeing to loans and overdraft facilities.backgroundLloyds TSB agreed to loan Mr A £2,800 in July 2010 which paid off his overdraft. Then, in October 2011, the bank loaned him almost £6,000 to pay off the existing loan a... (2 pages)View decision -
Decision Reference DRN-3268431
14 Feb 2022 S.D. Taylor Limited UpheldConsumer CreditDRN-3268431 The complaint Ms W, through her representative, complains that S.D. Taylor Limited, trading as loansathome4u (LAH) lent to her irresponsibly. Ms W entered an individual voluntary arrangement (IVA) on 3 March 2020. Ms W’s insolvency practitioners have been made aware of this com... (6 pages)View decision -
Decision Reference DRN-4199122
21 Jun 2023 My Finance Club Limited UpheldConsumer CreditDRN-4199122 The complaint Mr M complains that My Finance Club Limited lent to him when he could not afford it. Mr M also complains about the way he was treated and he says that the management of his loan accounts was poor. Mr M is not content about the way his complaint was handled by My F... (11 pages)View decision -
Decision Reference DRN-2377072
27 Nov 2020 Oakam Ltd UpheldConsumer CreditDRN-2377072 The complaint Mr W complained to Oakam Ltd (Oakam) that it irresponsibly provided him with a number of loans. Mr W also said, that he didn’t understand why he had an outstanding balance because Oakam had stopped taking payments from his account. What happened Our adjudicator up... (15 pages)View decision
