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 5125 results
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Decision Reference DRN-3616284
29 Jul 2022 Loans 2 Go Limited Not upheldConsumer CreditDRN-3616284 The complaint Mr K complains about a loan Loans 2 Go Limited provided to him. He says that Loans 2 Go Limited didn’t carry out proper lending checks and, if they had done so, would have seen that he had a gambling addiction. Mr K says Loans 2 Go Limited shouldn’t have lent to h... (4 pages)View decision -
Decision Reference DRN-4796467
30 May 2024 Gain Credit LLC Not upheldConsumer CreditDRN-4796467 The complaint Mr R complains that Gain Credit LLC trading as Lending Stream (“Lending Stream”) should’ve carried out a more detailed affordability check before it lent to him. What happened Mr R was advanced one loan of £400 on 11 October 2023. Mr R was due to make five monthly... (3 pages)View decision -
Decision Reference DRN5092520
4 Jan 2019 Uncle Buck Finance LLP UpheldBanking and creditMr H complains that Uncle Buck Finance LLP lent him money he couldn’t afford to repay.backgroundMr H took out five loans with Uncle Buck between May and October 2014.Mr H says Uncle Buck was irresponsible to agree to lend to him. Mr H says he had a gambling addict... (4 pages)View decision -
Decision Reference DRN8611939
11 Jan 2019 CMC Spreadbet Plc Not upheldInvestment and pensionsMrs P’s complaint is that CMC Spreadbet Plc (CMC) had a responsibility to address indications that her trading and/or loss accumulation was out of control but it did not do so. She says CMC’s failure to do so resulted in her excessive gambling, which created a signifi... (4 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-3143962
4 Nov 2021 Evergreen Finance London Limited UpheldConsumer CreditDRN-3143962 The complaint Miss D has complained that Evergreen Finance London Limited (trading as MoneyBoat) held her liable for a loan which was taken out fraudulently in her name. What happened In 2019, a series of substantial loans were applied for in Miss D’s name. Some of these went t... (6 pages)View decision -
Decision Reference DRN-5294000
28 Feb 2025 Bank of Scotland Plc UpheldBanking and PaymentsDRN-5294000 The complaint Mr M has complained that Bank of Scotland plc trading as Halifax acted irresponsibly when it provided him with an overdraft facility on his current account. He has also said the bank failed in its duty of care to support him as a vulnerable consumer. Background... (5 pages)View decision -
Decision Reference DRN-3141573
22 Dec 2021 TM Advances Limited UpheldConsumer CreditDRN-3141573 The complaint Mr M complains about a personal loan provided to him by TM Advances Limited, (“TMA”), which he says was irresponsibly lent. What happened TMA provided a loan for £4,000 to Mr M on 26 July 2018. The loan was repayable by 45 monthly payments of £289. The interest r... (5 pages)View decision -
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 DRN7756278
19 Sep 2017 Casheuronet UK LLC UpheldBanking and creditMr C complains that CashEuroNet UK LLC, trading as Quick Quid, gave him loans he couldn’t afford to repay.backgroundOur adjudicator upheld this complaint. Quick Quid disagreed and asked for an ombudsman to make a decision.I issued a provisional decision on 1 September 201... (6 pages)View decision
