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 5478 results
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Decision Reference DRN-4488068
30 Nov 2023 Marsh Finance Ltd UpheldConsumer CreditDRN-4488068 The complaint Mr G is complaining that Marsh Finance Limited (MFL) shouldn’t have lent to him – he says the lending was unaffordable. A representative has brought his complaint to us but for ease I’ve written as if he’s dealt with us directly. What happened In September 2019, M... (4 pages)View decision -
Decision Reference DRN-4733760
10 Apr 2024 Bamboo Limited UpheldConsumer CreditDRN-4733760 The complaint Mr L complains that Bamboo Limited (“Bamboo”) gave him a loan which was unaffordable for him and therefore lent irresponsibly. What happened In January 2023 Mr L took out a loan from Bamboo for £10,000. This was to be repaid over 60 months, at monthly repayment of... (4 pages)View decision -
Decision Reference DRN-3013707
7 Feb 2022 TM Advances Limited UpheldConsumer CreditDRN-3013707 The complaint Mr L is unhappy that TM Advances Limited (TMA) didn’t do enough to check that he could afford to repay a number of loans that it granted to him. Mr L is represented, but for ease I will refer only to him throughout. What happened Mr L has applied for and been gran... (7 pages)View decision -
Decision Reference DRN-3989995
20 Apr 2023 Blue Motor Finance Ltd Not upheldConsumer CreditDRN-3989995 The complaint Mr Y believes Blue Motor Finance Ltd (‘BMF’) acted irresponsibly by agreeing a hire purchase agreement he’d applied for. What happened On 20 February 2018, Mr Y was supplied with a used car through a hire purchase agreement with BMF. He paid a deposit of £350 and ... (4 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 DRN7485251
30 Jan 2015 MBNA Limited Not upheldBanking and creditMrs T complains MBNA Limited has applied fees to her credit card without first telling her.backgroundMrs T has a credit card with MBNA. In March and April 2014, she used her card to place several bets. MBNA treated these as cash withdrawals and charged a £5 fee for each transaction. Mr... (2 pages)View decision -
Decision Reference DRN-3707403
16 Sep 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3707403 The complaint Mr H complains about two loans provided to him by Everyday Lending Limited, trading as Everyday Loans, (“ELL”), which he says were unaffordable. The complaint is brought to this service on Mr H’s behalf by a claims’ management company. But for ease, I shall refer ... (5 pages)View decision -
Decision Reference DRN-3366774
11 Mar 2022 Logbook Money Limited UpheldConsumer CreditDRN-3366774 The complaint Miss G has complained that Logbook Money Limited (“LML” or “the lender”) was irresponsible to have agreed credit for her. What happened LML provided Miss G with two loans: her first was for £1,000 taken out on 17 October 2017 and her second was for £1,442 on 11 Fe... (5 pages)View decision -
Decision Reference DRN-4170757
19 Jul 2023 Madison CF UK Limited Not upheldConsumer CreditDRN-4170757 The complaint Mr M, through his representative, complains that Madison CF UK Limited, trading as 118118 Money (“Madison”), lent to him irresponsibly. What happened Mr M, through his representative, complains that Madison CF UK Limited, trading as 118118 Money (“Madison”), lent ... (4 pages)View decision -
Decision Reference DRN-2961396
28 Oct 2021 Advanced Payment Solutions Limited Not upheldBanking and PaymentsDRN-2961396 The complaint Mr S complains that Advanced Payment Solutions Limited (trading as Cashplus) won’t refund him for transactions he says he didn’t make or authorise. What happened Mr S legitimately uses a gambling website I’ll refer to as S and he has no complaint about transaction... (3 pages)View decision