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 5123 results
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Decision Reference DRN1761742
9 Jan 2018 Lending Stream Llc Not upheldBanking and creditMiss S complains that Lending Stream LLC gave her unaffordable instalment loans. She wants a refund, with interest.backgroundMiss S had two loans from Lending Stream between September and October 2013. She said she had other short-term loans and things got out of contr... (2 pages)View decision -
Decision Reference DRN-2273113
20 Sep 2021 1plus1 Loans Limited UpheldConsumer CreditDRN-2273113 The complaint Mr C has complained that 1Plus1 Loans Limited (“1Plus1” or “the lender”) should not have agreed a guarantor loan for him in May 2018. What happened 1Plus1 agreed a loan of £2,000 for Mr C on the 23 May 2018. The monthly repayment was £122.50 over a term of two ye... (4 pages)View decision -
Decision Reference DRN1054355
27 Feb 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 DRN6500563
19 Feb 2018 NewDay Ltd Not upheldBanking and creditMr M says it was irresponsible of NewDay Ltd to accept his application for a credit card, given his financial circumstances at the time.backgroundMr M applied for a credit card with NewDay in April 2016. NewDay accepted his application and set a credit limit of £450. ... (2 pages)View decision -
Decision Reference DRN-3013615
6 Dec 2021 PDL Finance Limited UpheldConsumer CreditDRN-3013615 The complaint Ms W complains that PDL Finance Limited, trading as Mr Lender, lent to her irresponsibly. What happened Using information from Mr Lender, here is a brief table of the approved loans. Loan Date Taken Date Repaid Instalments Amount Highest Repayment 1 02/06/2018 14/... (6 pages)View decision -
Decision Reference DRN-3444417
13 May 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3444417 The complaint Mr A complains about a loan from AvantCredit of UK, LLC, (“ACUK”), which he says was unaffordable. What happened ACUK provided Mr A with a loan of £4,750 in August 2018. ACUK also added a £250 administration fee to the credit amount. The interest rate was 35.51%, ... (7 pages)View decision -
Decision Reference DRN-4376063
10 Nov 2023 Spreadex Limited Not upheldInvestmentsDRN-4376063 The complaint Mr C complains that Spreadex Limited allowed him to run up significant unaffordable sports spread betting losses. He feels it should’ve have carried out more stringent checks and restricted access to his account sooner. What happened Mr C opened an account with Sp... (5 pages)View decision -
Decision Reference DRN-5128391
6 Nov 2024 Evolution Lending Limited UpheldMortgagesDRN-5128391 The complaint Mr L complains that Evolution Lending Limited lent to him irresponsibly when it gave him a third charge mortgage. What happened In January 2023, Mr L took out a third charge mortgage with Evolution. He borrowed £15,000 over 15 years on a variable interest rate ... (5 pages)View decision -
Decision Reference DRN2953712
5 Jun 2018 SLL Capital Limited UpheldBanking and creditMr L’s complaint about SLL Capital Limited, trading as Safeloans, (SLL) can be summarised as follows: He believes SLL didn’t carry out robust affordability checks and lent to him irresponsibly He’s unhappy SLL obtained a Country Court Judgement (CCJ) without his kno... (8 pages)View decision -
Decision Reference DRN-3565394
9 Dec 2022 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3565394 The complaint Mr J complains there was malpractice by Bank of Scotland trading as Halifax (BOS) in relation to how they communicated about a credit card account in his name – he would like to be compensated for this. What happened The detailed background to this complaint is we... (4 pages)View decision
