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 4726 results
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Decision Reference DRN-4592585
29 Feb 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4592585 The complaint Miss B complains that Vanquis Bank Limited was irresponsible to lend to her. What happened Miss B was approved for a credit card with Vanquis on 26 November 2022. The credit limit was set at £1,200 and this remained unchanged. Miss B says Vanquis should have asked... (2 pages)View decision -
Decision Reference DRN2858075
9 Feb 2017 MYJAR Limited UpheldBanking and creditMr S complains that MYJAR Limited provided him with short-term loans he couldn’t afford to repay.backgroundBased on what I’ve seen, Mr S took five loans with MYJAR as follows:Agreement DatePrinciple Amount BorrowedNo. of repayments dueMaximum monthly payment including in... (4 pages)View decision -
Decision Reference DRN-5329702
10 Apr 2025 Oodle Financial Services Limited UpheldConsumer CreditDRN-5329702 The complaint Mr R complains that Oodle Financial Services Limited trading as Oodle Car Finance (Oodle) acted irresponsibly by lending to him. What happened In late May 2022 Mr R acquired a car when he entered into a hire purchase agreement with Oodle. The cash price of the ... (4 pages)View decision -
Decision Reference DRN2351459
18 Apr 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr C has complained about short-term loans granted to him by CURO TRANSATLANTIC LIMITED trading as Wage Day Advance (‘Wage Day’ or ‘the lender’). backgroundWage Day agreed seven loans for Mr C between May 2015 and May 2016. The loan amounts ranged from £100 to £550 a... (4 pages)View decision -
Decision Reference DRN-3257686
17 Jan 2022 Chetwood Financial Limited UpheldConsumer CreditDRN-3257686 The complaint Mr N complains Chetwood Financial Limited trading as LiveLend (LiveLend) acted irresponsibly when it provided a loan facility to him. What happened Mr N says when he applied for a loan with LiveLend in November 2019, he was in financial difficulties and was strugg... (4 pages)View decision -
Decision Reference DRN-3933189
17 Apr 2023 Starling Bank Limited Not upheldBanking and PaymentsDRN-3933189 The complaint Mr Y complains that Starling Bank Limited did not decrease his withdrawal limit. What happened Mr Y contacted Starling Bank on 3 February 2022 and asked to decrease his cash withdrawal limit on his account to £50, instead of £300. There was some initial confusion ... (2 pages)View decision -
Decision Reference DRN-3363870
10 Mar 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3363870 The complaint Mr B has complained that Madison CF UK Limited trading as 118 118 Money was irresponsible in lending to him. What happened 118 118 Money provided Mr B with the following loans: Date taken Total Loan Term Monthly repayment Amount Borrowed Date repaid Loan 1 24/06/1... (4 pages)View decision -
Decision Reference DRN4592814
23 Oct 2018 Casheuronet UK LLC UpheldBanking and creditMr R has complained about short-term loans granted to him by CashEuroNet UK LLC trading as QuickQuid. Mr R says he couldn’t afford these loans and that QuickQuid didn’t take appropriate steps to check whether he could afford them when he took them out. backgroundQuickQ... (4 pages)View decision -
Decision Reference DRN1150539
1 Mar 2019 Casheuronet UK LLC UpheldBanking and creditMr G has complained about short-term loans granted to him by CashEuroNet UK LLC trading as “QuickQuid”. Mr G says he couldn’t afford these loans and that QuickQuid didn’t take appropriate steps to check whether he could afford them when he took them out. backgroundQuick... (5 pages)View decision -
Decision Reference DRN-4829444
6 Jun 2024 Tesco Personal Finance PLC UpheldConsumer CreditDRN-4829444 The complaint Mr M has complained that Tesco Personal Finance PLC trading as Tesco Bank (“Tesco”) gave him a loan he couldn’t afford to repay. What happened Tesco gave Mr M a 60-month loan of £15,000 on 12 November 2021. The monthly repayments were £327.68 and the total repayab... (4 pages)View decision
