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 DRN8987323
30 Sep 2014 PDL Finance Limited Not upheldBanking and creditMr Q has complained that PDL Finance Limited (trading as Mr Lender) did not carry out appropriate checks into his credit history when he applied for credit with them, and the loans were not affordable.background Mr Q took out a loan with Mr Lender in 2011 for £200.... (2 pages)View decision -
Decision Reference DRN6857708
18 Mar 2016 Wage Day Advance Limited UpheldBanking and creditMr N has complained Wage Day Advance Limited didn’t check properly whether he could afford the loans he took out with them in 2013.backgroundBetween July and November 2013, Mr N took out six loans with Wage Day. These increased in value from £150 to £600. Mr N always p... (2 pages)View decision -
Decision Reference DRN-6050359
11 Feb 2026 PDL Finance Limited Not upheldConsumer CreditDRN-6050359 The complaint Mr T complains that PDL Finance Limited trading as Mr Lender lent to him irresponsibly four times between April 2022 and January 2025. What happened The loans ranged from £200 to £790. There were significant gaps between Loans 1 and 2 and Loans 3 and 4. The de... (2 pages)View decision -
Decision Reference DRN4620653
5 Apr 2017 Clydesdale Bank Plc Not upheldBanking and creditMr L, as court-appointed deputy for Mrs B, has made a number of complaints against Clydesdale Bank Plc, which I summarise as follows: irresponsible lending in 2007; mis-sale of a further advance in 2008; Clydesdale’s failure to prevent financial abuse and fraud b... (4 pages)View decision -
Decision Reference DRN-5879685
16 Feb 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5879685 Complaint Mr T has complained about the overdraft charges National Westminster Bank Public Limited Company (“NatWest”) applied to his current account. He’s effectively said that the overdraft was unaffordable and so he shouldn’t have been provided with it. Therefore, the cha... (6 pages)View decision -
Decision Reference DRN-4253638
26 Jul 2023 Madison CF UK Limited Not upheldConsumer CreditDRN-4253638 Complaint Mr B has complained about a loan Madison CF UK Limited (trading as “118 118 Money”) provided to him. He says the loan was unaffordable. Background 118 118 Money provided Mr B with a loan for £1,000.00 in June 2017. This loan was due to be repaid in 24 monthly instalme... (2 pages)View decision -
Decision Reference DRN-3958122
17 Feb 2023 Madison CF UK Limited Not upheldConsumer CreditDRN-3958122 Complaint Mr S has complained about a loan Madison CF UK Limited (trading as “118 118 Money”) provided to him. He says the loan was unaffordable. Background 118 118 Money provided Mr S with a loan for £2,000.00 in February 2022. This loan was due to be repaid in 36 monthly inst... (2 pages)View decision -
Decision Reference DRN5431251
27 Apr 2018 Gain Credit LLC Not upheldBanking and creditMiss O complains that Gain Credit LLC (trading as Lending Stream) gave her unaffordable instalment loans. She wants a refund of the interest and charges she paid and defaults removed from her credit file.backgroundMiss O had four loans from Lending Stream between Mar... (2 pages)View decision -
Decision Reference DRN1118896
23 Feb 2018 Gain Credit LLC UpheldBanking and creditMrs C complains that Gain Credit LLC (trading as Lending Stream) gave her a loan that she couldn’t afford.backgroundMrs C took out a loan for £265 with Lending Stream in February 2012. The loan was repayable over six monthly instalments, with the highest instalment bein... (2 pages)View decision -
Decision Reference DRN-4374447
13 Dec 2023 Nationwide Building Society Not upheldConsumer CreditDRN-4374447 The complaint Miss F, through a representative, says Nationwide Building Society irresponsibly lent to her. What happened Miss F took out a £10,000 loan over 60 months from Nationwide on 8 June 2022. The monthly repayments were £179.07 and the total repayable was £10,744.20. Mi... (2 pages)View decision