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 19751 results
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Decision Reference DRN-3219811
27 Jan 2022 S.D. Taylor Limited UpheldConsumer CreditDRN-3219811 The complaint Mrs T, through her representative, complains that S.D. Taylor Limited, trading as Loans at Home (LAH), lent to her irresponsibly. Her representative also says that Mrs T did not receive debt advice from LAH and failed to send to her its final response letter follo... (5 pages)View decision -
Decision Reference DRN-4430612
18 Dec 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4430612 The complaint Mrs H complains that NewDay Ltd trading as Aquacard was irresponsible in its lending to her. What happened NewDay provided Mrs H with a credit card. She says that between 2017 and 2019 she was struggling financially which would have been seen from her defaults. Sh... (3 pages)View decision -
Decision Reference DRN-3590058
21 Jul 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3590058 The complaint Miss R, through her representative, complains that Everyday Lending Limited lent to her irresponsibly. What happened Miss R says that she applied for a loan and it was approved in February 2010. It was for £1,400 repayable over 24 months and the monthly repayments... (4 pages)View decision -
Decision Reference DRN7439893
17 Feb 2018 Capital One (Europe) plc Not upheldBanking and creditMr K has complained that Capital One (Europe) plc acted irresponsibly when it increased the limit on his credit card account. Mr K says as a result his account went into default. He says Capital One should remove the default and refund him the fees and charges it ... (2 pages)View decision -
Decision Reference DRN-3614421
13 Sep 2022 Evergreen Finance London Limited UpheldConsumer CreditDRN-3614421 The complaint Mr D complains that Evergreen Finance London Limited, trading as MoneyBoat.co.uk, lent to him when he could not afford it. What happened Mr D was approved for two loans. Loan 1 was taken on 5 July 2020 and was for £300.00. This was to be repaid by two instalments ... (4 pages)View decision -
Decision Reference DRN-3460668
20 May 2022 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-3460668 The complaint Miss T complaints that Capital One (Europe) plc lent to her irresponsibly. What happened Miss T applied for a credit card with Capital One in November 2019. The credit card account was opened with a credit limit of £200 which never increased. Miss T says that Cap... (2 pages)View decision -
Decision Reference DRN-3255334
3 Feb 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3255334 The complaint Mr C complained that AvantCredit of UK, LLC lent to him irresponsibly and provided him with unaffordable lending. What happened AvantCredit provided a loan to Mr C as follows: Date taken Loan amount Term Typical monthly repayment Total amount repayable Date repaid... (4 pages)View decision -
Decision Reference DRN-2647108
17 Mar 2021 Carcashpoint Limited UpheldConsumer CreditDRN-2647108 Complaint Mr H complains that CarCashPoint Limited (“CarCashPoint”) unfairly provided him with a logbook loan. He says he was offered the loan when he was in a vicious circle of payday lending and couldn’t afford it. Background CarCashPoint provided Mr H with a logbook loan fo... (2 pages)View decision -
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 DRN2985830
19 Mar 2019 Elevate Credit International Limited UpheldBanking and creditMr D says that Elevate Credit International Limited, trading as Sunny, lent to him irresponsibly.backgroundSunny approved one open ended (flex credit) account, and 26 payday loans for Mr D between April 2014 and December 2016. Sunny had assessed the complaint and had de... (4 pages)View decision
