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 DRN6217020
19 May 2017 Express Finance (Bromley) Limited UpheldBanking and creditMs L complains that Express Finance (Bromley) Limited (trading as Payday Express) gave her unaffordable payday loans. She wants a refund of the interest and charges she paid with interest.backgroundMs L had four payday loans from Payday Express between August and Nove... (3 pages)View decision -
Decision Reference DRN-5052635
7 Nov 2024 Marks & Spencer Financial Services plc UpheldBanking and PaymentsDRN-5052635 The complaint X complains that Marks & Spencer Financial Services Plc (M&S) irresponsibly provided her with a credit card and limit increase and failed to support her as a vulnerable customer. What happened M&S provided X with a credit card for £1,500 in November 20... (5 pages)View decision -
Decision Reference DRN-3800965
2 Dec 2022 Inclusive Finance Limited Not upheldConsumer CreditDRN-3800965 The complaint Miss M complains that Inclusive Finance Limited trading as Creditspring lent to her irresponsibly. What happened Miss M had been provided with a loan by CreditSpring in November 2019. The loan was repaid early, and Miss M doesn’t have a complaint about that. Credi... (3 pages)View decision -
Decision Reference DRN-3690724
27 Oct 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3690724 The complaint Mrs G complains through her representative that Everyday Lending Limited trading as Everyday Loans (Everyday) irresponsibly lent her money on a high cost loan which she couldn’t afford to repay. What happened Everyday provided Mrs G with a loan of £1,500 on 23 Feb... (3 pages)View decision -
Decision Reference DRN-3693099
25 Nov 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3693099 The complaint Mr S complains that Madison CF UK Limited trading as 118 118 Money irresponsibly lent to him. What happened 118 118 Money provided Mr S with a loan of £3,000 on 5 January 2019, repayable over 24 months at the monthly rate of £235.87. Mr S got into difficulties ove... (3 pages)View decision -
Decision Reference DRN-3436400
10 Jun 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3436400 The complaint Mr H, through his representative complains that Madison CF UK Limited, trading as 118 118 Money, lent to him irresponsibly. What happened Mr H was approved for one loan with Madison in August 2020 which was for £2,000 repayable over 24 months at £117.66 a month. T... (3 pages)View decision -
Decision Reference DRN-4730674
24 Apr 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4730674 The complaint Mr D says NewDay Ltd irresponsibly lent to him. What happened Between January 2021 and March 2023 Mr D took out four credit cards from NewDay. He complained to the lender in December 2023. It upheld his complaint about the last two cards (cards 3 and 4) that it ga... (3 pages)View decision -
Decision Reference DRN-3359926
28 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3359926 The complaint Mr L complains NewDay Ltd irresponsibly lent him two credit cards, and a loan. What happened Mr L took out the following: Aqua credit card in May 2015 with an initial limit of £100 Marbles credit card in December 2016 with an initial limit of £600 Marbles loan ... (5 pages)View decision -
Decision Reference DRN-4584140
29 Feb 2024 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-4584140 The complaint Mr G complains Clydesdale Bank Plc trading as Virgin Money lent to him irresponsibly. What happened Mr G successfully applied for a credit card with Clydesdale in July 2018. When his application was approved, he was given a £9,000 credit limit. Mr G’s complained C... (3 pages)View decision -
Decision Reference DRN-3972279
24 Mar 2023 Madison CF UK Limited UpheldConsumer CreditDRN-3972279 The complaint Mr A complains about the loan Madison CF UK LLC, trading as 118 118 Money, approved for him. He says it was unaffordable. Mr A also says that Madison got it wrong by not accepting his reduced settlement figure when he offered it to them. He says Madison has report... (8 pages)View decision
