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-2559653
21 Jul 2021 Advancis Limited UpheldConsumer CreditDRN-2559653 The complaint Mr L has complained that Advancis Limited (trading as “Buddy Loans”) lent to him irresponsibly. What happened Mr L was given a fixed term guarantor loan by Buddy Loans. The details of this is given below: Date taken Instalments Amount Repayments Total to repay 15... (4 pages)View decision -
Decision Reference DRN-3991631
22 May 2023 Santander UK Plc Not upheldBanking and PaymentsDRN-3991631 The complaint Mrs B complains that Santander UK Plc (“Santander”) lent to her irresponsibly and did nothing to support her despite informing it of her gambling problems and other vulnerabilities. What happened Mrs B held an account with Santander with an overdraft facility. Mrs... (4 pages)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-3870334
27 Jan 2023 Plata Finance Limited Not upheldBanking and PaymentsDRN-3870334 The complaint Mr P complains that Zopa Limited (“Zopa”) irresponsibly granted him a credit card he couldn’t afford to repay. What happened In April 2021 Mr P entered into an agreement with Zopa to have access to credit by way of a credit card account. He was given a credit limi... (2 pages)View decision -
Decision Reference DRN-2742393
7 May 2021 Madison CF UK Limited Not upheldConsumer CreditDRN-2742393 The complaint Miss C complains that Madison CF UK Limited trading as 118 118 Money lent to her irresponsibly. What happened Miss C was given two loans by 118 118 Money as follows: Loan Date taken Date paid Amount Term Monthly repayment 1 Jan 2017 29/01/2018 £1,000 24 months £78... (5 pages)View decision -
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-2025700
26 Jul 2020 Stagemount Limited UpheldConsumer CreditDRN-2025700 The complaintMr B complains that Stagemount Limited trading as ‘Quid Market’ acted irresponsibly when lending to him. What happenedIn October and November 2019 Quid Market provided Mr B with loans, each due to be repaid by instalments over a number of months. In the event, Mr ... (4 pages)View decision -
Decision Reference DRN-3552683
25 Jul 2022 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-3552683 The complaint Mr M complains that Tesco Personal Finance PLC, trading as Tesco Bank, was irresponsible when it allowed him to open a credit card account, and that it sent his debt to a third party debt collector in retaliation when he raised a complaint. What happened Mr M appl... (4 pages)View decision -
Decision Reference DRN-2677944
26 Mar 2021 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2677944 The complaint Mr H says Provident Personal Credit Limited trading as Satsuma Loans, irresponsibly lent to him. He says the loans were unaffordable when he took them out as he was using other short term loans to make ends meet. He thinks that Satsuma didn’t carry out robust affo... (2 pages)View decision -
Decision Reference DRN-3437034
10 Jun 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3437034 The complaint Miss W complains that Vanquis Bank Limited irresponsibly gave her a credit card that she couldn’t afford. What happened In March 2015 Vanquis, Miss W applied for a Vanquis credit card. She was given an initial credit limit of £500, which was later increased to £1,... (2 pages)View decision
