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
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Decision Reference DRN-2869515
24 Aug 2021 Madison CF UK Limited Not upheldConsumer CreditDRN-2869515 The complaint Miss H is unhappy that Madison CF UK Limited trading as 118 118 Money agreed to a loan she’d applied for as she said it was unaffordable for her. What happened In August 2019, Miss H took out a £2,000 loan with 118 118, to be repaid over 24 months with repayments ... (4 pages)View decision -
Decision Reference DRN6203293
8 Mar 2017 Casheuronet UK LLC UpheldBanking and creditMr C has complained about two payday loans and one flex account he took out with CashEuroNet UK LLC (trading as Quick Quid) between February 2012 and April 2014. He says that the Quick Quid loans weren’t affordable and so it shouldn’t have lent to him. backgroundAlt... (4 pages)View decision -
Decision Reference DRN-4569335
6 Feb 2024 FUND OURSELVES LIMITED Not upheldConsumer CreditDRN-4569335 The complaint Mr M complains FUND OURSELVES Limited trading as Fund Ourselves (“Fund Ourselves”) gave him loans he couldn’t afford due to him having several other large loans outstanding at the time. What happened A summary of Mr M’s borrowing can be found below loan number loa... (4 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 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-3081384
22 Feb 2022 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-3081384 The complaint Mr L complains that Capital One (Europe) plc (“Capital One”) lent to him irresponsibly and didn’t carry out sufficient checks when they opened his credit card account and increased his credit limit. What happened Mr L was accepted for a credit card by Capital One ... (4 pages)View decision -
Decision Reference DRN-2659881
24 Sep 2021 1plus1 Loans Limited UpheldConsumer CreditDRN-2659881 The complaint Mr S has complained that 1Plus1 Loans Limited (“1Plus1” or “the lender”) should not have agreed a guarantor loan for him in June 2019. What happened 1Plus1 agreed a loan of £6,000 for Mr S on the 27 June 2019. The monthly repayment was £228.75 over a term of five ... (4 pages)View decision -
Decision Reference DRN-5830176
8 Oct 2025 PayPal (Europe) S.à r.l et Cie, S.C.A. Not upheldBanking and PaymentsDRN-5830176 The complaint Miss C believes PayPal UK Ltd (PayPal) acted irresponsibly when it approved her credit card application. What happened In August 2021 Miss C applied for a credit card with PayPal. This application was approved with a credit limit of £2,500. The credit limit wa... (5 pages)View decision -
Decision Reference DRN-5724119
19 Nov 2025 Oakbrook Finance Limited Not upheldConsumer CreditDRN-5724119 The complaint Mr H complains that OAKBROOK FINANCE LIMITED trading as Oakbrook was irresponsible in its lending to him. He wants all interest and charges on his loan refunded along with 8% interest and any adverse information removed from his credit file. Mr H also wants com... (4 pages)View decision -
Decision Reference DRN-2707817
19 May 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2707817 The complaint Mr G complains that NewDay Ltd lent to him irresponsibly through two credit card accounts they gave him. He feels this led to him getting into a spiral of debt and having to go onto a debt management plan. What happened In November 2013 Mr G applied for a credit c... (4 pages)View decision