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 DRN-3958320
13 Mar 2023 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-3958320 The complaint Mr D complains that Moneybarn No. 1 Limited trading as Moneybarn, irresponsibly gave him a conditional sale agreement he couldn’t afford. What happened In 2018, Mr D acquired a used car using a conditional sale agreement from Moneybarn. The cash price of the car w... (2 pages)View decision -
Decision Reference DRN8116503
27 Sep 2016 BB Credit Ltd UpheldBanking and creditMr O complains that BB Credit Ltd (trading as Bongaloans) gave him loans he couldn’t afford to repay. He asks that it refunds all interest and charges, with 8% interest. backgroundMr O says he took out 15 loans with Bongaloans between November 2012 and October 2015. He... (2 pages)View decision -
Decision Reference DRN4107809
15 Feb 2018 NewDay Ltd UpheldBanking and creditMr W complains that it was irresponsible for NewDay Limited to give him a credit card and then to increase his credit limit.backgroundMr W opened a credit card account with NewDay in 2014. Later that year he entered into a debt management plan and NewDay sold his acco... (2 pages)View decision -
Decision Reference DRN9017513
22 Jan 2020 Evergreen Finance London Ltd Not upheldBanking and creditMr H says Evergreen Finance London Limited, trading as MoneyBoat.co.uk (MoneyBoat), lent to him irresponsibly. backgroundMr H had five loans with MoneyBoat which are set out below. An adjudicator considered the complaint and didn’t think it should be upheld. Mr H didn’t agree with the adju... (3 pages)View decision -
Decision Reference DRN-3957365
24 Feb 2023 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-3957365 The complaint Mr M complains that Mitsubishi HC Capital UK Plc, trading as Novuna Personal Finance, irresponsibly lent to him. What happened Mr M took out a 36-month fixed sum loan for £4,000 from Novuna in October 2017. The monthly repayments were £184.56 and the total repayab... (2 pages)View decision -
Decision Reference DRN8103105
9 Jan 2018 Lending Stream Llc UpheldBanking and creditMr H complains that Lending Stream LLC gave him unaffordable instalment loans. He wants a refund of his interest and charges.backgroundMr H had ten loans from Lending Stream between January 2015 and May 2016. He said it didn’t carry out proper checks that he could af... (2 pages)View decision -
Decision Reference DRN2796666
1 Jun 2018 Provident Personal Credit Limited UpheldBanking and creditMr G complains that Provident Personal Credit Limited (trading as Satsuma Loans) gave him loans that he couldn’t afford.backgroundMr G took out a total of five loans with Satsuma between September 2015 and February 2017.LoanDate of loanDate repaidAmount lentWeekly payment... (4 pages)View decision -
Decision Reference DRN-4689841
23 Apr 2024 TSB Bank plc UpheldBanking and PaymentsDRN-4689841 The complaint Mr R complains that TSB Bank plc have been unable to retrieve funds he sent to a wrong account. Mr R is also unhappy that TSB closed his accounts and the service he received. What happened Mr R had a current account and savings account with TSB. In September 2023,... (5 pages)View decision -
Decision Reference DRN6399366
4 Jun 2019 Casheuronet UK LLC UpheldBanking and creditMr H complains that CashEuroNet UK LLC, trading as QuickQuid, lent to him in an irresponsible manner.backgroundMr H took out five loans with QuickQuid between July 2016 and November 2017. The last loan remains outstanding. A summary of the loans is as follows:date£ ... (3 pages)View decision -
Decision Reference DRN6325735
16 Aug 2017 Cash On Go Limited UpheldBanking and creditMiss M complains that Cash on Go Limited (trading as Peachy.co.uk) gave her unaffordable instalment loans. She wants a refund of the interest she paid, with interest. backgroundMiss M had 10 loans from Peachy between March 2015 and August 2016. She said the loans were... (2 pages)View decision
