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 4727 results
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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 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 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-3770300
7 Dec 2022 Nationwide Building Society UpheldBanking and PaymentsDRN-3770300 The complaint Mr L has complained that Nationwide Building Society irresponsibly lent to him. What happened Mr L opened a credit card account with Nationwide in January 2019. The initial credit limit was £5,400. Mr L eventually defaulted on his credit card. Mr L says that Natio... (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 DRN8744970
20 Jul 2020 Retail Money Market Ltd UpheldBanking and creditMrs S complains that Retail Money Market Ltd wrongly allowed her then husband to take out a loan in her name, but has sought payment from her. Retail Money Market Ltd trades as RateSetter.backgroundIn June 2018 a £3,500 loan was taken out in Mrs S’s name. The loan proceeds were paid into t... (3 pages)View decision -
Decision Reference DRN6520857
31 May 2017 MEM Consumer Finance Limited UpheldBanking and creditMr T complains that MEM Consumer Finance Limited (trading as Payday UK) gave him loans he couldn’t afford to repay. He asks for compensation and a full refund. Mr T is represented by a claims management company.backgroundMr T took out nine loans with Payday UK ... (5 pages)View decision -
Decision Reference DRN9123373
25 Jul 2013 Bank of Scotland Plc UpheldBanking and creditMr U, represented by his partner Ms V, complains about irresponsible lending to him by Bank of Scotland plc. backgroundBank of Scotland provided Mr U with two personal loans of increasing size – the second in part being used to repay the first. The money was also used to repay Mr ... (3 pages)View decision -
Decision Reference DRN-2541300
22 Nov 2021 TFS Loans Limited Not upheldConsumer CreditDRN-2541300 The complaint Mr R complains that TFS Loans Limited agreed a loan for him which was unaffordable for him. What happened In December 2015, Mr R applied for a loan of £7,500 with TFS to repay some debts, pay council tax and a holiday. TFS agreed the loan which was to be repaid in... (3 pages)View decision -
Decision Reference DRN3980944
26 Feb 2019 George Banco Limited UpheldBanking and creditMr A complains George Banco Limited lent him money he couldn’t afford to repay. He says it didn’t carry out adequate affordability checks. He wants a refund of interest and the balance of the debt written off. And he wants his guarantor to be released from her ob... (3 pages)View decision
