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 DRN8524833
5 Sep 2017 Cheque Centres Limited UpheldBanking and creditMr B has complained about several loans granted to him by Cheque Centres Limited. He’s said Cheque Centres allowed him to take out loans he couldn’t afford which contributed to him falling into a debt spiral.backgroundCheque Centres says it agreed seven loans for Mr B... (5 pages)View decision -
Decision Reference DRN8112078
2 Nov 2020 Avantcredit Of Uk, Llc UpheldBanking and creditMiss P complains that AvantCredit of UK, LLC lent to her irresponsibly. background Miss P was given a loan of £7,000 by AvantCredit in January 2016. The loan was due to be repaid in 36 monthly instalments of about £313.The total amount to be repaid including interest was just over £11, 293... (4 pages)View decision -
Decision Reference DRN-2051816
13 Apr 2021 Advancis Limited UpheldConsumer CreditDRN-2051816 The complaint Miss O complains Advancis Limited trading as Buddy Loans irresponsibly lent to her. She says she couldn’t afford the loan, and further checks would’ve shown this. Miss O says she has lost out financially as a result. What happened Miss O was approved for the below... (4 pages)View decision -
Decision Reference DRN7723591
29 Mar 2018 Gain Credit LLC UpheldBanking and creditMiss M complains that Gain Credit LLC (trading as Lending Stream) was irresponsible to lend her money.backgroundMiss M had 14 instalment loans from Lending Stream between June 2013 and May 2014 as follows:Loan IDDate AmountTermRepaid Notes 1159319116-Jun-13£2706 months26-No... (3 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 DRN-2495651
30 Mar 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2495651 Complaint Mr M has complained that Loans 2 Go Limited (“L2G”) provided him with an unaffordable loan. He says he should never have been given this loan as he had poor credit and was using any new funds on his gambling addiction. Background L2G provided Mr M with a loan of £500... (4 pages)View decision -
Decision Reference DRN-3972215
23 Jun 2023 Go Car Credit Limited Not upheldConsumer CreditDRN-3972215 The complaint Mr P complains that Go Car Credit Limited (“Go Car”) lent to him irresponsibly through a hire purchase agreement to acquire a car. What happened Mr P acquired a car through a hire purchase agreement with Go Car in late 2021. In June 2022 he contacted Go Car to com... (4 pages)View decision -
Decision Reference DRN-2936483
27 Oct 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2936483 The complaint Mr H complains that Vanquis Bank Limited (“Vanquis”) lent to him irresponsibly and didn’t carry out sufficient checks when they increased his credit limit on his credit card account. What happened Mr H was accepted for a credit card by Vanquis in August 2013 with ... (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 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
