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 21385 results
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Decision Reference DRN9285195
7 Nov 2019 Gain Credit LLC Not upheldBanking and creditMr W says Gain Credit LLC (trading as Drafty) lent to him irresponsibly.backgroundDrafty approved a line of credit for Mr W in July 2016, with a credit limit of £500. The minimum monthly repayment was variable, but if Mr W drew down up to his credit limit his monthly repayment would’ve bee... (2 pages)View decision -
Decision Reference DRN-2911689
20 Aug 2021 Valour Finance Limited Not upheldConsumer CreditDRN-2911689 The complaint Mr T says Valour Finance Limited trading as Savvy.co.uk lent to him irresponsibly. He says he had significant financial and mental health problems at the time of lending. These would mean it wouldn’t be possible for him to repay the loans in a sustainable way. He ... (2 pages)View decision -
Decision Reference DRN-3760594
9 Nov 2022 Loans 2 Go Limited Not upheldConsumer CreditDRN-3760594 Complaint Miss T has complained that Loans 2 Go Limited (“L2G”) irresponsibly lent to her. Background Miss T applied for a loan of £500 with L2G in June 2022. One of our adjudicators reviewed what Miss T and L2G had told us. And he thought that L2G hadn’t lent irresponsibly. So... (2 pages)View decision -
Decision Reference DRN-3770418
14 Nov 2022 Loans 2 Go Limited Not upheldConsumer CreditDRN-3770418 Complaint Mrs O has complained that Loans 2 Go Limited (“L2G”) irresponsibly lent to her. Background Mrs O applied for a loan of £400 with L2G in September 2021. One of our adjudicators reviewed what Mrs O and L2G had told us. And he thought that L2G hadn’t lent irresponsibly. ... (2 pages)View decision -
Decision Reference DRN-4247386
21 Jul 2023 Loans 2 Go Limited Not upheldConsumer CreditDRN-4247386 Complaint Mr B has complained about a loan Loans 2 Go Limited (“L2G”) provided to him. He says L2G irresponsibly lent him this loan. Background One of our adjudicators reviewed what Mr B and L2G had told us. And he thought that L2G hadn’t lent irresponsibly. So he didn’t uphold... (2 pages)View decision -
Decision Reference DRN-5594920
3 Jul 2025 Santander UK Plc Not upheldConsumer CreditDRN-5594920 Complaint Mrs C has complained about a loan Santander UK Plc (“Santander”) provided to her. She says the loan was unaffordable and so shouldn’t have been provided. Background Santander provided Mrs C with a loan for £7,000.00 in January 2020. This loan was due to be repaid ... (2 pages)View decision -
Decision Reference DRN-3589070
5 Sep 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3589070 The complaint Mr B complains that National Westminster Bank Plc (“Nat West”) provided him with credit he couldn’t afford to repay. What happened Nat West approved two credit card applications for Mr T. The first in November 2019 with a limit of £2,750 and a further card in Marc... (2 pages)View decision -
Decision Reference DRN-3215206
13 Apr 2022 Studio Retail Limited Not upheldConsumer CreditDRN-3215206 The complaint Ms F complains that Studio Retail Limited (‘Studio Retail’) irresponsibly gave her a running account credit facility that she couldn’t afford. What happened In October 2018, Ms F applied for a catalogue shopping accounts through Studio Retail. She was given an ini... (2 pages)View decision -
Decision Reference DRN-3269346
2 Mar 2022 TM Advances Limited Not upheldConsumer CreditDRN-3269346 Complaint Mr G has complained about a loan TM Advances Limited (“TM Advances”) provided to him. He says TM Advances irresponsibly lent him this loan. Background One of our adjudicators reviewed what Mr G and TM Advances had told us. And she thought that TM Advances hadn’t lent ... (2 pages)View decision -
Decision Reference DRN-5891502
4 Feb 2026 Inclusive Finance Limited Not upheldConsumer CreditDRN-5891502 The complaint Mr C complains that Inclusive Finance Limited trading as Creditspring lent to her irresponsibly. What happened Here is a table giving brief details of the lending. Loan Approved Amount Repayment (rounded & monthly) 1 23 November 2021 £500 £42 plus fee £8 2 ... (2 pages)View decision