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 21242 results
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Decision Reference DRN8599687
30 May 2018 Morses Club PLC Not upheldBanking and creditMr A complains that Morses Club PLC engaged in irresponsible lending to him.backgroundMr A says if relevant checks had been carried out when he took out his loans MC would’ve known the lending was unsuitable when he was still in an IVA with considerable late payments,... (2 pages)View decision -
Decision Reference DRN-6042888
6 Jan 2026 Bamboo Limited Not upheldConsumer CreditDRN-6042888 The complaint Mr B complains that Bamboo Limited irresponsibly provided him with a loan for £3,000 which he couldn’t afford and that it has reported subsequent defaults on his credit file. What happened The details of this complaint are well-known to both parties, so I won’... (2 pages)View decision -
Decision Reference DRN0112376
16 Jan 2019 Active Securities Limited UpheldBanking and creditMiss B has complained about short-term loans granted to her by Active Securities Limited trading as 247 Moneybox.com (“Moneybox” or “the lender”).backgroundI attach my provisional decision of 29 November 2018, which forms part of this final decision and should be read... (20 pages)View decision -
Decision Reference DRN-4293740
10 Oct 2023 Tandem Personal Loans Ltd UpheldConsumer CreditDRN-4293740 The complaint Mr H, through a representative, says Oplo PL Ltd irresponsibly lent to him. What happened Mr H took out a loan for £10,000 over 54 months on 5 July 2019. The monthly repayments were £323.19 and the total repayable was £17,452.26. Mr H says proper checks were not c... (3 pages)View decision -
Decision Reference DRN-2630947
23 Mar 2021 Morses Club PLC UpheldConsumer CreditDRN-2630947 The complaint Mr P complains that Morses Club PLC lent to him irresponsibly. What happened Mr P has explained that he took many loans with a company called Shopacheck which was eventually bought by Morses Club. He continued to take loans. Morses has explained that it knew Mr P... (4 pages)View decision -
Decision Reference DRN-3856154
25 Jan 2023 Morses Club PLC UpheldConsumer CreditDRN-3856154 The complaint Ms B, through her representative, complains that Morses Club PLC lent to her irresponsibly. What happened Ms B’s representative has informed us that she took seven loans with Morses. Morses in its final response letter (FRL) following Ms B’s complaint which starte... (4 pages)View decision -
Decision Reference DRN6973839
27 Mar 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMs A complains that The Royal Bank of Scotland Plc was irresponsible in the size of the overdraft facility it was prepared to offer to her business, and that it charged an unreasonable rate of interest.backgroundMs A’s business has banked with Royal Bank of Scotland since the 1990s. ... (1 page)View decision -
Decision Reference DRN-4617270
8 Apr 2024 Omni Capital Retail Finance Limited Not upheldConsumer CreditDRN-4617270 The complaint Miss M complains that Omni Capital Retail Finance Limited (‘Omni Capital’) irresponsibly gave her a loan that she couldn’t afford. What happened On 24 January 2022, Miss M applied for a loan with Omni Capital. The loan was for £3,990 before interest and the monthl... (2 pages)View decision -
Decision Reference DRN-2811204
6 Jul 2021 Harvey & Thompson Limited Not upheldConsumer CreditDRN-2811204 The complaint Ms W complains Harvey & Thompson Limited trading as H&T Pawnbrokers (“H&T”) lent to her irresponsibly. She also says that the application of daily interest to her lending has made it impossible to repay her loan. What happened Ms W took two instalment... (4 pages)View decision -
Decision Reference DRN-3423063
22 Apr 2022 Studio Retail Limited UpheldConsumer CreditDRN-3423063 The complaint Miss K says Studio Retail Limited (“Studio Retail”), irresponsibly lent to her. She has requested that the interest and late payment charges she paid on her account be refunded. What happened This complaint is about a catalogue account provided by Studio Retail to... (4 pages)View decision