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 4717 results
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Decision Reference DRN-2175255
13 Nov 2020 Evergreen Finance London Limited UpheldConsumer CreditDRN-2175255 The complaint Mr T says Evergreen Finance London Limited, trading as MoneyBoat.co.uk, irresponsibly lent to him. What happened This complaint is about three loans MoneyBoat provided to Mr T between August 2016 to May 2018. A summary of Mr T’s borrowing history is as follows: Lo... (3 pages)View decision -
Decision Reference DRN2821387
17 Jul 2017 Active Securities Limited UpheldBanking and creditMr J complains that Active Securities Limited trading as 24/7 Moneybox wrongly lent him money he couldn’t afford to pay back.backgroundMr J took out a number of short term loans with Moneybox but he has explained that his complaint only relates to the 26 loans take... (3 pages)View decision -
Decision Reference DRN2350101
17 Jul 2017 Lending Stream Llc UpheldBanking and creditMiss D complains that Lending Stream LLC wrongly lent her money she couldn’t afford to pay back.backgroundMiss D took out twenty six short term loans with Lending Stream between July 2015 and November 2016. She said that the business didn’t carry out proper affordabili... (3 pages)View decision -
Decision Reference DRN6313606
2 Aug 2019 Casheuronet UK LLC UpheldBanking and creditMr H says CashEuroNet UK LLC, trading as QuickQuid, lent to him irresponsibly.backgroundMr H had 15 payday loans and one ‘FlexCredit’ loan facility from QuickQuid between March 2010 and September 2014. His complaint is about the loans he took out from May 2012 (loan 11) onwards – which inc... (3 pages)View decision -
Decision Reference DRN-5450020
9 May 2025 ZILCH TECHNOLOGY LIMITED Not upheldConsumer CreditDRN-5450020 Complaint Mr M has complained about a credit account Zilch Technology Limited (trading as “Zilch”) provided to him. He says the credit account was unaffordable and proportionate checks would have shown that he shouldn’t have been lent to. Background Zilch provided Mr M with... (3 pages)View decision -
Decision Reference DRN-4542285
23 Feb 2024 Gain Credit LLC UpheldConsumer CreditDRN-4542285 The complaint Mr M complains through a representative that Gain Credit LLC trading as Lending Stream (“Lending Stream”) allowed him to take out loans which he couldn’t afford to repay. What happened A summary of Mr M’s borrowing can be found in the table below. loan number loan... (7 pages)View decision -
Decision Reference DRN7774201
19 Sep 2017 Western Circle Limited Not upheldBanking and creditMr E complains that Western Circle Ltd (trading as Cashfloat) gave him loans that he couldn’t afford to repay.backgroundMr E was given ten loans by Cashfloat between February 2015 and August 2016. All of the loans were repayable by two or three equal monthly instalmen... (3 pages)View decision -
Decision Reference DRN-3746366
3 Feb 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3746366 The complaint Mr R complains about Barclays Bank UK PLC (“Barclays”) following his accounts balances being used up and his accounts closed. He wants Barclays to explain what happened. What happened Mr R held a current account with Barclays. Around the end of 2018, Mr R came int... (2 pages)View decision -
Decision Reference DRN-3948025
6 Feb 2023 TSB Bank plc UpheldBanking and PaymentsDRN-3948025 The complaint Miss G has complained that she was consistently overdrawn for the past 14 year’s and that TSB Bank plc (“TSB”) acted unfairly by applying overdraft charges when she was in financial difficulty. What happened Miss G had a bank account with an overdraft limit of £2,... (3 pages)View decision -
Decision Reference DRN9046019
23 Aug 2019 Uncle Buck Finance LLP UpheldBanking and creditMiss E says Uncle Buck Finance LLP irresponsibly lent to her.backgroundThis complaint is about five instalment loans Uncle Buck provided to Miss E between August 2017 and April 2018. The amounts Miss E borrowed ranged between £100 and £600. The loans were to be repaid in three or six month... (3 pages)View decision
