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 4607 results
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Decision Reference DRN-4330612
19 Sep 2023 Lendable Ltd Not upheldConsumer CreditDRN-4330612 The complaint Mr B says Lendable Ltd irresponsibly lent to him. What happened Mr B took out a 48-month instalment loan for £10,000 from Lendable on 31 July 2021. The monthly repayments were £332.35 and the total repayable was £15,923.97. Mr B says Lendable should not have lent ... (3 pages)View decision -
Decision Reference DRN5816545
27 Mar 2018 Instant Cash Loans Limited Not upheldBanking and creditMr M complains that Instant Cash Loans Limited, trading as Payday UK, gave him loans he couldn’t afford to repay.backgroundMr M took out the following loans with Payday UK:date£ amount borroweddate repaid14 March 20151002 April 201525 April 201530026 April 2015313 ... (2 pages)View decision -
Decision Reference DRN-3967082
30 Mar 2023 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-3967082 The complaint Mr R complains that Moneybarn No. 1 Limited irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In December 2016, Mr R acquired a used car financed by a conditional sale agreement from Moneybarn. Mr R was required to m... (2 pages)View decision -
Decision Reference DRN-3650171
14 Sep 2022 Mitsubishi HC Capital UK Plc UpheldConsumer CreditDRN-3650171 The complaint Mr O complains that Mitsubishi HC Capital UK Plc, trading as Hitachi Personal Finance (“Hitachi”) provided him with credit he couldn’t afford to repay. What happened Hitachi approved an £11,000 loan for Mr O in December 2021. He was to make 48 monthly repayments o... (3 pages)View decision -
Decision Reference DRN9951765
21 Jan 2021 Progressive Money Limited UpheldBanking and creditComplaint Mr T complains that he is in financial difficulties but Progressive Money Limited have not given him the help they should. He says Progressive Money Limited charged an excessive amount of interest on his loan and are refusing to remove it. He wants them to remove the interest so ... (6 pages)View decision -
Decision Reference DRN-3947605
8 Feb 2023 Madison CF UK Limited UpheldConsumer CreditDRN-3947605 The complaint Mr W complains that Madison CF UK Limited trading as 118 118 Money irresponsibly lent to him. He says at the time he had a gambling addiction and had borrowed three loans before 118 118 Money approved his loans. What happened 118 118 Money lent Mr W two loans, the... (3 pages)View decision -
Decision Reference DRN-4311456
5 Feb 2024 Western Circle Ltd Not upheldConsumer CreditDRN-4311456 The complaint Ms S complains that Western Circle Ltd trading as Cashfloat irresponsibly lent to her. What happened Cashfloat lent Ms S two loans, the first loan was in October 2021 for £750, repayable in six monthly instalments of £206.60. Ms S repaid this loan within the same ... (2 pages)View decision -
Decision Reference DRN-5152747
18 Nov 2024 Oakbrook Finance Limited Not upheldConsumer CreditDRN-5152747 The complaint Mr C has complained that Oakbrook Finance Limited, trading as Likely Loans, acted irresponsibly when it provided him with a loan for £1,000 in 2014. Background Mr C applied for a £1,000 loan with Likely Loans in December 2014. He has explained that at the time... (4 pages)View decision -
Decision Reference DRN-4066127
10 May 2023 Bamboo Limited UpheldConsumer CreditDRN-4066127 The complaint Mr M, through a representative, says Bamboo Limited, trading as Bamboo Loans, irresponsibly lent to him. What happened Mr M took out three instalment loans from Bamboo. A summary of his borrowing follows. loan taken out repaid value, £ term monthly repayment, £ to... (4 pages)View decision -
Decision Reference DRN-5141555
18 Nov 2024 CA AUTO FINANCE UK LTD Not upheldConsumer CreditDRN-5141555 Complaint Mr W complains that CA Auto Finance UK LTD (at the time trading as “Fiat Financial” Services UK Ltd) unfairly entered into a hire-purchase agreement with him. He’s said the agreement was unaffordable and so he shouldn’t have been accepted for it. Background In Jan... (3 pages)View decision
