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 4726 results
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Decision Reference DRN-3372802
31 Mar 2022 Apfin Ltd Not upheldConsumer CreditDRN-3372802 The complaint Mr U complained about an instalment loan he took out with APFIN LTD trading as cashasap.co.uk. What happened cashasap.co.uk provided a loan to Mr U as follows: Date Taken Loan status Monthly instalments Loan Amount Highest Monthly Repayment 1/6/2021 outstanding 6 ... (4 pages)View decision -
Decision Reference DRN4898929
25 Jan 2018 DJS (UK) Limited Not upheldBanking and creditMr D complains that DJS (UK) Limited (trading as Piggybank) lent to him irresponsibly.backgroundMr D took out an £800 instalment loan with Piggybank in September 2017. He says that had Piggybank carried out adequate checks it would not have lent to him. He says that ... (2 pages)View decision -
Decision Reference DRN5304622
10 May 2018 V7 Limited UpheldBanking and creditMr B complains that V7 Limited (trading as “Vivus”) irresponsibly gave him payday loans despite him having an extremely poor credit score following many years of borrowing. backgroundMr B was given four payday loans by Vivus. As far as I can see his borrowing history i... (2 pages)View decision -
Decision Reference DRN-3301318
25 Mar 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3301318 The complaint Mrs M complains about the interest Madison CF UK Limited (trading as 118 118 Money) charged her when she settled her loan early. She also says it acted irresponsibly by granting her a loan that was unaffordable for her. What happened In late 2021, Mrs M took out a... (4 pages)View decision -
Decision Reference DRN-3136931
17 Feb 2022 Progressive Money Limited Not upheldConsumer CreditDRN-3136931 The complaint Mr M says Progressive Money Limited irresponsibly lent to him when it provided an unaffordable loan. What happened Progressive provided the following loan to Mr M: Date loan taken Loan amount Scheduled term Monthly repayment Total amount repayable Loan status 8.11... (3 pages)View decision -
Decision Reference DRN-3109121
5 Dec 2021 TFS Loans Limited UpheldConsumer CreditDRN-3109121 The complaint Mr W has complained that TFS Loans Limited (“TFS Loans”) provided him with an unaffordable loan. What happened TFS Loans provided Mr W with a loan of £5000 in April 2018. This loan had a 60-months term with a monthly repayment amount of £174.50. This all meant th... (3 pages)View decision -
Decision Reference DRN-2919285
25 Jan 2022 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-2919285 The complaint Mr U complains that Monzo Bank Ltd did not help him recover money he’d deposited into an online trading account which he says turned out to be a scam. What happened In June 2019 Mr U saw an online advertisement for a firm, which said it provided a trading platform... (3 pages)View decision -
Decision Reference DRN-2730686
29 Apr 2021 Everyday Lending Limited UpheldConsumer CreditDRN-2730686 The complaint Mr K complains Everyday Lending Limited trading as Everyday Loans irresponsibly lent to him on multiple occasions. What happened Mr K was approved for five loans by Everyday Loans between 2010 and 2015. Everyday Loans has agreed to settle two of the five loans. Th... (4 pages)View decision -
Decision Reference DRN2072082
7 Mar 2018 Emergency Cash Limited UpheldBanking and creditMr S complains that Emergency Cash Limited (trading as wizzcash.com) (the business) was irresponsible in its lending to him. backgroundMr S took out eight loans with the business between August 2015 and March 2017. He says that new loans were provided as soon as pre... (3 pages)View decision -
Decision Reference DRN-4752119
9 May 2024 Bank of Scotland Plc UpheldConsumer CreditDRN-4752119 The complaint Mrs L complains that Bank of Scotland plc trading as Halifax was irresponsible in its lending to her. Mrs L is represented by a family member but for ease of reference I have referred to Mrs L throughout this decision. What happened Mrs L was provided with a £6,00... (3 pages)View decision
