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 4619 results
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Decision Reference DRN2290103
13 Feb 2019 Stagemount Limited Not upheldBanking and creditMr W complains that Stagemount Limited, trading as Quid Market, gave him loans he couldn’t afford to repay.backgroundMr W took out the following loans with Quid Market:date£ amount borroweddate repaid12 May 201422530 May 201421 June 201430030 June 201433 July 201430031 Ju... (2 pages)View decision -
Decision Reference DRN6291616
3 Nov 2017 Instant Cash Loans Limited UpheldBanking and creditMr A complains that Instant Cash Loans Limited (trading as Payday UK) gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges and removes information about the loans from his credit file.backgroundMr A took out five loans between Mar... (2 pages)View decision -
Decision Reference DRN-4027300
25 Oct 2023 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4027300 The complaint Mr D has complained Tesco Personal Finance PLC, trading as Tesco Bank, has lodged a fraud-related marker on the industry fraud database, CIFAS, which has inconvenienced him. What happened In 2019 Mr D amended his direct debit with Tesco Bank so that the full amoun... (2 pages)View decision -
Decision Reference DRN3291640
28 Dec 2016 Express Finance (Bromley) Limited UpheldBanking and creditMr B complains that Express Finance (Bromley) Limited (trading as Payday Express) didn’t carry out proper affordability checks and irresponsibly granted him unaffordable payday loans. He wants the charges and interest refunded and his credit file amended.backgroundPayday ... (2 pages)View decision -
Decision Reference DRN-4567347
24 Jan 2024 Chetwood Financial Limited Not upheldBanking and PaymentsDRN-4567347 Complaint Mr J has complained about a credit card Chetwood Financial Limited (trading as “Wave”) provided to him. He says that had adequate checks been carried out, via the request of bank statements, he wouldn’t have been lent to. Background In May 2022, Wave provided Mr J wit... (3 pages)View decision -
Decision Reference DRN-4809041
30 May 2024 Valour Finance Limited Not upheldConsumer CreditDRN-4809041 The complaint Miss S complains that Valour Finance Limited trading as Savvy.co.uk (“Valour”) gave her a loan of £1,100 when she had only applied for a loan of £400. She said if further checks had been conducted prior to lending Valour wouldn’t have lent to her because she was g... (4 pages)View decision -
Decision Reference DRN9522983
11 Apr 2019 Capital Cash Limited UpheldBanking and creditMr B complains that Capital Cash Limited (CCL) was irresponsible in that it lent to him and he was ‘trapped in a debt spiral’ such that he had to continue borrowing. Mr B says that proper checks would have revealed that his ‘finances were in a state of disarray... (4 pages)View decision -
Decision Reference DRN-3337945
30 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3337945 The complaint Mr A complains that NewDay Ltd (trading as Opus) won’t reimburse money he lost when he says he fell victim to a binary options investment scam. What happened Mr A came across a binary options company called Golden Markets online. He contacted them and was promised... (4 pages)View decision -
Decision Reference DRN-5204397
11 Dec 2024 Volkswagen Financial Services (UK) Limited UpheldConsumer CreditDRN-5204397 The complaint Ms S has complained that Volkswagen Financial Services (UK) Limited trading as Seat Finance (“VFSL”) acted irresponsibly when it approved her for a car finance agreement in May 2023. Background Ms S took out a Personal Contract Purchase (“PCP”) agreement with ... (3 pages)View decision -
Decision Reference DRN7361867
16 Aug 2019 Provident Personal Credit Limited UpheldBanking and creditK821x£15 complaintMr P complains that Provident Personal Credit Limited (trading as Satsuma Loans) was irresponsible to lend to him.backgroundMr P had seven loans from Satsuma between August 2014 and June 2016 as follows:Loan Date AmountTermRepayment* DueRepaid 17 Aug 2014£30013w£140.017 N... (4 pages)View decision
