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 DRN-4217854
29 Jun 2023 Cabot Financial (Europe) Limited Not upheldMortgagesDRN-4217854 The complaint Ms T’s complaint is about a secured loan she took out in 2007 with Lender W, which is now owned by Cabot Financial (Europe) Limited. Ms T’s representative has said: the loan was mis-sold because it was lent irresponsibly as it was not affordable. This is because ... (3 pages)View decision -
Decision Reference DRN-5462842
16 Apr 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5462842 The complaint Mr O complains Zopa Bank Limited (“Zopa”) hasn’t given him 8% simple interest despite upholding his irresponsible lending complaint. What happened In July 2022 Mr O was provided with a loan for £6,000.00 from Zopa. The loan was due to run for 48 months. In 20... (3 pages)View decision -
Decision Reference DRN-5422089
24 Mar 2025 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-5422089 The complaint Miss O complains Cabot Credit Management Group Limited are asking her to repay more towards a debt than they should be. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copied the relevant elements o... (4 pages)View decision -
Decision Reference DRN6959163
13 Aug 2019 Casheuronet UK LLC Not upheldBanking and creditMiss H says CashEuroNet UK LLC, trading as Pounds to Pocket, lent to her irresponsibly.backgroundMiss H borrowed one instalment loan from Pounds to Pocket in April 2011. The loan amount was £1,050 and it was due to be repaid in 12 monthly instalments of about £160.One of our adjudicators c... (2 pages)View decision -
Decision Reference DRN-3058381
18 Feb 2022 Carcashpoint Limited UpheldConsumer CreditDRN-3058381 The complaint Mr K complains that CarCashPoint Limited (CCP) made an irresponsible lending decision when it provided him with a loan in 2014. What happened In October 2014, Mr K took out a loan for £2060 secured against his vehicle with an annual rate of interest of 213.82%. Th... (3 pages)View decision -
Decision Reference DRN-3004602
18 Oct 2021 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3004602 Complaint Miss O has complained about an overdraft Bank of Scotland (trading as “Halifax”) provided to her. She says the overdraft was unaffordable and shouldn’t have been provided. Background Halifax provided Miss O with a student overdraft for £1,000.00 in February 2017. The ... (2 pages)View decision -
Decision Reference DRN9780355
1 Feb 2017 HSBC Bank plc Not upheldBanking and creditMr C complains that HSBC Bank Plc acted irresponsibly when it lent him money he couldn’t afford to repay. And he’s unhappy that HSBC continued to chase the arrears on his loan account after he agreed a repayment plan. backgroundMr C says HSBC continually increased th... (3 pages)View decision -
Decision Reference DRN9169306
25 Oct 2019 Casheuronet UK LLC UpheldBanking and creditMr K complains that CashEuroNet UK LLC lent to him irresponsibly. At the time of the loan approval in February 2015 it traded as Pounds to Pocket. A name change means it trades more recently as OnStride. I will refer to it as CashEuroNet. backgroundMr K applied for one loan. CashEuroNet ap... (5 pages)View decision -
Decision Reference DRN-5394059
13 Mar 2025 ACI-UK LIMITED Not upheldConsumer CreditDRN-5394059 The complaint Mr R complains ACI-UK Limited haven’t removed a default applied to his credit file for a debt they hold when he thinks they should. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copied the relevan... (5 pages)View decision -
Decision Reference DRN-3608209
2 Aug 2022 Gain Credit LLC Not upheldConsumer CreditDRN-3608209 The complaint Mrs P complained that Gain Credit LLC (trading as ‘Lending Stream’) provided her with unaffordable loans. What happened Mrs P complained about two instalment loans she took out with Lending Stream as follows: Loan No: Date Taken Loan Term Loan Amount Highest Total... (4 pages)View decision
