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 4703 results
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Decision Reference DRN-4494584
12 Jan 2024 Everyday Lending Limited Not upheldConsumer CreditDRN-4494584 The complaint Mr M complains that Everyday Lending Limited trading as Everyday Loans irresponsibly gave him a loan that he couldn’t afford. For simplicity I will refer to the business as ‘Everyday’ during this decision. Mr M is represented in this complaint. For simplicity I wi... (3 pages)View decision -
Decision Reference DRN-5359456
3 Mar 2025 Startline Motor Finance Limited Not upheldConsumer CreditDRN-5359456 Complaint Mr M complains that Startline Motor Finance Limited (“SMF”) unfairly entered into a hire- purchase agreement with him. He’s said he shouldn’t have been lent to given his previous credit history. Background In September 2017, SMF provided Mr M with finance for a us... (3 pages)View decision -
Decision Reference DRN-3254330
27 Apr 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3254330 The complaint Ms W complained that Everyday Lending Limited trading as Everyday Loans acted irresponsibly when it gave her an unaffordable loan. What happened Ms W took out a single loan with Everyday Loans as follows: Date taken Amount Term Monthly repayment Total amount repay... (3 pages)View decision -
Decision Reference DRN-4569335
6 Feb 2024 FUND OURSELVES LIMITED Not upheldConsumer CreditDRN-4569335 The complaint Mr M complains FUND OURSELVES Limited trading as Fund Ourselves (“Fund Ourselves”) gave him loans he couldn’t afford due to him having several other large loans outstanding at the time. What happened A summary of Mr M’s borrowing can be found below loan number loa... (4 pages)View decision -
Decision Reference DRN-2869515
24 Aug 2021 Madison CF UK Limited Not upheldConsumer CreditDRN-2869515 The complaint Miss H is unhappy that Madison CF UK Limited trading as 118 118 Money agreed to a loan she’d applied for as she said it was unaffordable for her. What happened In August 2019, Miss H took out a £2,000 loan with 118 118, to be repaid over 24 months with repayments ... (4 pages)View decision -
Decision Reference DRN6203293
8 Mar 2017 Casheuronet UK LLC UpheldBanking and creditMr C has complained about two payday loans and one flex account he took out with CashEuroNet UK LLC (trading as Quick Quid) between February 2012 and April 2014. He says that the Quick Quid loans weren’t affordable and so it shouldn’t have lent to him. backgroundAlt... (4 pages)View decision -
Decision Reference DRN-4750326
10 May 2024 Zopa Bank Limited UpheldBanking and PaymentsDRN-4750326 The complaint Mr E complains that Zopa Bank Limited (“Zopa”) irresponsibly granted him a credit card that he couldn’t afford to repay. What happened Mr E entered into an agreement with Zopa to have access to credit with a credit card account. The account was opened in March 202... (3 pages)View decision -
Decision Reference DRN6669284
2 Oct 2019 Global Kapital Group Ltd UpheldBanking and creditMr E complains that Global Kapital Group Ltd (trading as myKredit) lent to him in an irresponsible manner.backgroundMr E was given seven loans by myKredit between May 2017 and June 2018. Most of the loans were scheduled to be repaid in two or three monthly instalments. Mr E appears to have... (4 pages)View decision -
Decision Reference DRN-5273558
27 Jan 2025 Stellantis Financial Services UK Limited Not upheldConsumer CreditDRN-5273558 Complaint Mr D complains that Stellantis Financial Services UK Limited (trading as “Vauxhall Finance”) unfairly entered into a conditional sale agreement with him. The finance was provided under the GMAC trading name and so for the sake of clarity, I’ve referred to GMAC thr... (4 pages)View decision -
Decision Reference DRN-2901359
27 Jul 2021 TransferWise Ltd Not upheldBanking and PaymentsDRN-2901359 The complaint Mr B has complained TransferWise Ltd won’t refund him for multiple transactions he says he didn’t make. What happened On 8 January 2020, Mr B submitted disputes for 39 gambling transactions between 14 November 2019 and 3 January 2020. Mr B says a similar event occ... (4 pages)View decision
