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
-
Decision Reference DRN-3052071
14 Apr 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3052071 The complaint Mr F has complained that Madison CF UK Limited (trading as 118 118 Money) acted irresponsibly when it agreed to give him a loan in 2018. Background Mr F applied for a loan with 118 118 Money in October 2018. The loan was for a total of £1,000 to be repaid over 18 ... (2 pages)View decision -
Decision Reference DRN-2956832
11 Aug 2021 Madison CF UK Limited Not upheldConsumer CreditDRN-2956832 The complaint Mr B says Madison CF UK Limited (trading as 118 118 Money) lent to him irresponsibly. What happened Mr B took out a 24-month loan for £1000 in June 2017. The monthly repayment was £98.71 and the total repayable was £2369.04. Mr B says 118 118 Money took advantage ... (3 pages)View decision -
Decision Reference DRN6313606
2 Aug 2019 Casheuronet UK LLC UpheldBanking and creditMr H says CashEuroNet UK LLC, trading as QuickQuid, lent to him irresponsibly.backgroundMr H had 15 payday loans and one ‘FlexCredit’ loan facility from QuickQuid between March 2010 and September 2014. His complaint is about the loans he took out from May 2012 (loan 11) onwards – which inc... (3 pages)View decision -
Decision Reference DRN-2175255
13 Nov 2020 Evergreen Finance London Limited UpheldConsumer CreditDRN-2175255 The complaint Mr T says Evergreen Finance London Limited, trading as MoneyBoat.co.uk, irresponsibly lent to him. What happened This complaint is about three loans MoneyBoat provided to Mr T between August 2016 to May 2018. A summary of Mr T’s borrowing history is as follows: Lo... (3 pages)View decision -
Decision Reference DRN2350101
17 Jul 2017 Lending Stream Llc UpheldBanking and creditMiss D complains that Lending Stream LLC wrongly lent her money she couldn’t afford to pay back.backgroundMiss D took out twenty six short term loans with Lending Stream between July 2015 and November 2016. She said that the business didn’t carry out proper affordabili... (3 pages)View decision -
Decision Reference DRN2821387
17 Jul 2017 Active Securities Limited UpheldBanking and creditMr J complains that Active Securities Limited trading as 24/7 Moneybox wrongly lent him money he couldn’t afford to pay back.backgroundMr J took out a number of short term loans with Moneybox but he has explained that his complaint only relates to the 26 loans take... (3 pages)View decision -
Decision Reference DRN-5405457
14 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5405457 The complaint Mr M complains about NewDay Ltd, trading as Aqua, lending to him irresponsibly. What happened In September 2021, Mr M applied for an Aqua credit card. NewDay approved this with a credit limit of £600. In 2024, Mr M complained to NewDay as he considers their l... (3 pages)View decision -
Decision Reference DRN-3770300
7 Dec 2022 Nationwide Building Society UpheldBanking and PaymentsDRN-3770300 The complaint Mr L has complained that Nationwide Building Society irresponsibly lent to him. What happened Mr L opened a credit card account with Nationwide in January 2019. The initial credit limit was £5,400. Mr L eventually defaulted on his credit card. Mr L says that Natio... (3 pages)View decision -
Decision Reference DRN-5450020
9 May 2025 ZILCH TECHNOLOGY LIMITED Not upheldConsumer CreditDRN-5450020 Complaint Mr M has complained about a credit account Zilch Technology Limited (trading as “Zilch”) provided to him. He says the credit account was unaffordable and proportionate checks would have shown that he shouldn’t have been lent to. Background Zilch provided Mr M with... (3 pages)View decision -
Decision Reference DRN8816958
15 Jul 2015 The Royal Bank of Scotland Plc Not upheldBanking and creditMr S complains that The Royal Bank of Scotland plc has allowed payments to be taken from his account which he did not authorise. He also complains that it did not properly investigate the payments.backgroundMr S disputes making payments of £600 and £900 on a day in... (2 pages)View decision