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 21091 results
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Decision Reference DRN-5762973
20 Jan 2026 Evergreen Finance London Limited Not upheldConsumer CreditDRN-5762973 The complaint Miss M complains Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) lent to her irresponsibly. What happened MoneyBoat provided Miss M with a £400 loan on 10 January 2025. This loan was to be repaid in three monthly instalments of £155.03... (2 pages)View decision -
Decision Reference DRN-5396996
14 Mar 2025 Evergreen Finance London Limited Not upheldConsumer CreditDRN-5396996 The complaint Mr E complains that an offer for compensation should have been paid directly to him by Evergreen Finance London Limited trading as MoneyBoat.co.uk (MoneyBoat). He also complains that a loan was irresponsibly lent to him and MoneyBoat failed to set up a payment ... (3 pages)View decision -
Decision Reference DRN-4638929
4 Mar 2024 Barclays Bank UK PLC Not upheldConsumer CreditDRN-4638929 The complaint Mr and Mrs H say Barclays Bank UK PLC lent to them irresponsibly. What happened Mr and Mrs H took out a Resolve loan from Barclays on in December 2012. The loan was for £3,500 and the term was 30 months. It was repaid by October 2014. The loan was taken out as Mr ... (2 pages)View decision -
Decision Reference DRN4831836
26 Jan 2018 UCB Home Loans Corporation Ltd Not upheldBanking and creditMrs P complains that UCB Home Loans Corporation Ltd (“UCB”) coerced her into fixing her mortgage interest rate for 10 years. She says she’s been overcharged interest as a result. backgroundIn 2008 Mrs P contacted UCB to change mortgage products. She fixed her mortga... (2 pages)View decision -
Decision Reference DRN6137816
21 Mar 2016 Lending Stream Llc Not upheldBanking and creditMiss K complains Lending Stream LLC (LS) was irresponsible in lending money to her. She says if it had carried out suitable checks, it would have known the lending was unaffordable.backgroundMiss K took eight loans with LS between 2011 and 2014. She said LS didn’t ... (2 pages)View decision -
Decision Reference DRN8380058
15 Dec 2015 Lloyds Bank PLC Not upheldBanking and creditMr O has complained about irresponsible lending by Lloyds Bank PLC (Lloyds).backgroundIn 2005, Mr O opened an account with Lloyds. It offered him a credit card with a limit of £500, which he accepted. His spending on the credit card then exceeded the limit and he ran ... (2 pages)View decision -
Decision Reference DRN-5350802
17 Mar 2025 Salary Finance Loans Limited Not upheldConsumer CreditDRN-5350802 The complaint Mr C complains that Salary Finance Limited was irresponsible in its lending to him and hasn’t provided him with the service it should have while managing his loan. What happened Mr C was provided with a £5,500 loan by Salary Finance in April 2024. The loan term... (3 pages)View decision -
Decision Reference DRN-3216255
11 Jan 2022 Inclusive Finance Limited Not upheldConsumer CreditDRN-3216255 The complaint Mr R has complained about credit he borrowed with Inclusive Finance Limited, trading as Creditspring (‘Creditspring’). Mr R feels that the lending was irresponsible and also unaffordable. What happened The background to this complaint is well known to both Mr R an... (2 pages)View decision -
Decision Reference DRN-3989164
4 Jul 2023 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-3989164 The complaint Mrs G complains that Lantern Debt Recovery Services Ltd (Lantern) purchased her debt of a loan from the administrators of the loan company, when it was still in dispute, and are pursuing recovery of the debt. What happened Mrs G took out a loan with a loan company... (2 pages)View decision -
Decision Reference DRN-3198240
10 Dec 2021 Shelby Finance Ltd Not upheldConsumer CreditDRN-3198240 The complaint Mr A complains that Shelby Finance Ltd, trading as Dot Dot Loans, lent to him irresponsibly. And Mr A complains that he was informed by Shelby that a Direct Debit (DD) was set up but he says it was not. Mr A says that Shelby did not even try to take the payments f... (3 pages)View decision