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 DRN-3425293
29 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3425293 The complaint Miss O says NewDay Ltd trading as Marbles Card irresponsibly lent to her. What happened Miss O’s complaint is about a credit card account provided by NewDay. The account was opened in December 2015. Miss O was given an initial credit limit of £450. This limit was ... (3 pages)View decision -
Decision Reference DRN3990193
19 Oct 2016 Ecashwindow Ltd UpheldBanking and creditMr N has complained about short-term loans granted to him by Ecashwindow Ltd. backgroundEcashwindow agreed five short-term loans for Mr N over the period July 2011 to May 2013. Mr N says these loans were unaffordable for him and that Ecashwindow would have known that ... (3 pages)View decision -
Decision Reference DRN7287230
3 Feb 2021 Loans 2 Go Limited UpheldBanking and creditMr E complains that Loans 2 Go Limited irresponsibly lent to him. background From the information provided, Mr E took out two loans with Loans 2 Go. The first loan was taken in January 2018 for £250. The loan was due to run for 18 months with monthly instalments of £56.64. I understand tha... (3 pages)View decision -
Decision Reference DRN-2930181
1 Jun 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-2930181 The complaint Mr Q complains Everyday Lending Limited trading as Trusttwo irresponsibly approved him for a loan. Mr Q is represented by a claims management company. For ease I’ll refer to all submissions as if they were made directly by him. What happened Trusttwo approved Mr Q... (3 pages)View decision -
Decision Reference DRN-3126456
1 Nov 2021 My Finance Club Limited Not upheldConsumer CreditDRN-3126456 The complaint Mr M complains that My Finance Club Limited didn’t carry out adequate checks before lending to him. He says the loan provided is unaffordable. What happened Mr M was provided with a £400 loan by My Finance Club in April 2021. He says at the time of the loan he had... (2 pages)View decision -
Decision Reference DRN6469112
11 Jan 2018 Lending Stream Llc UpheldBanking and creditMr B complains that Lending Stream LLC wrongly lent him money he couldn’t afford to pay back.backgroundMr B took out five short term loans with Lending Stream between August and October 2013. He said that the business didn’t carry out proper affordability checks and allowe... (3 pages)View decision -
Decision Reference DRN-3677618
1 Sep 2022 Evergreen Finance London Limited UpheldConsumer CreditDRN-3677618 The complaint Miss M complains that the loans she had from Evergreen Finance London Limited (trading as Moneyboat) were unaffordable to her. What happened Miss M had three loans from Moneyboat between April 2021 and June 2021 as follows: Loan Date Amount Term Monthly Repayment ... (3 pages)View decision -
Decision Reference DRN8722765
18 Jul 2019 Casheuronet UK LLC Not upheldBanking and creditMr D complains that his loans from CashEuroNet UK LLC, trading as QuickQuid, were unaffordable and shouldn’t have been made to him – and he says that they’ve caused him financial difficulty.backgroundMr D was given five loans by QuickQuid between February 2016 and October 2017. And he topp... (4 pages)View decision -
Decision Reference DRN0684308
29 Dec 2016 Bamboo Limited Not upheldBanking and creditMr B complained that Bamboo Limited was irresponsible in lending to him. He said Bamboo shouldn’t have believed the information he’d sent it. He was also unhappy with Bamboo’s collections tactics.backgroundIn July 2015, Mr B applied for a £2,000 loan from Bamboo. ... (3 pages)View decision -
Decision Reference DRN1204252
2 Nov 2016 WDFC UK Limited UpheldBanking and creditMr C complains that WDFC UK Limited (trading as Wonga) gave him loans that he couldn’t afford to repay.backgroundMr C first borrowed from Wonga in May 2013 when he was given a loan of £300. He continued to borrow from Wonga until he repaid his final loan in June 2... (3 pages)View decision
