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 5125 results
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Decision Reference DRN3549553
10 Jun 2019 Virgin Money plc Not upheldBanking and creditMr S complains about how Virgin Money plc has managed his credit card account.backgroundMr S told us that he previously had an airline branded credit card, managed by a different bank. That bank stopped offering the airline branded card, and he opened a similar card w... (3 pages)View decision -
Decision Reference DRN4379248
13 Feb 2020 Elevate Credit International Limited UpheldBanking and creditMr H says Elevate Credit International Limited (Elevate), trading as Sunny Loans, irresponsibly lent to him.backgroundThis complaint is about 30 loans Elevate provided to Mr H between March 2015 and May 2017. Mr H’s history of borrowing from Elevate is attached to this decision. Our adjudi... (5 pages)View decision -
Decision Reference DRN9105414
4 Jul 2018 Gain Credit LLC UpheldBanking and creditMr M says Gain Credit LLC, trading as Lending Stream, lent to him irresponsibly. He says the loans trapped him into a “debt spiral” and he had to borrow more to repay them. Mr M also says the number of times he borrowed should’ve caused Lending Stream to reali... (4 pages)View decision -
Decision Reference DRN1501102
24 Jul 2017 Amigo Loans Ltd Not upheldBanking and creditMr M complains that Amigo Loans Ltd shouldn’t have granted him a loan as it was unaffordable. He’s also unhappy about the amount he’s been repaying on the loan and the amount of interest.backgroundMr M took out a guarantor loan for £5000 with Amigo in 2013 the APR wa... (2 pages)View decision -
Decision Reference DRN-2724203
29 Mar 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2724203 The complaint Miss R says Loans 2 Go Limited lent irresponsibly to her. What happened Miss R took out three loans from Loans 2 Go, as set out below. *£250 received by Miss R, the balance settled loan 2 Loan 1 was a logbook loan, so it was given on the basis that Miss R provided... (4 pages)View decision -
Decision Reference DRN-5618099
22 Oct 2025 Madison CF UK Limited Not upheldConsumer CreditDRN-5618099 The complaint Miss M complains that Madison CF UK Limited trading as 118 118 Money was irresponsible in its lending to her. She wants all interest and charges refunded along with statutory interest and any adverse information removed from her credit file. What happened Miss ... (4 pages)View decision -
Decision Reference DRN-2360931
2 Mar 2021 TM Advances Limited UpheldConsumer CreditDRN-2360931 The complaint Mr M complains that TM Advances Limited (“TMA”) lent to him in an irresponsible manner. He also complains that the lender failed to treat him fairly when he faced difficulties repaying his borrowing. What happened Mr M was given a single loan by TMA. He borrowed £... (3 pages)View decision -
Decision Reference DRN-5134082
20 Nov 2024 North Edinburgh and Castle Credit Union Limited Not upheldConsumer CreditDRN-5134082 The complaint Ms F has complained that North Edinburgh and Castle Credit Union Limited (“Castle Credit”) acted irresponsibly when it approved her application for a loan in early 2023. Background Ms F applied for a £10,000 loan with Castle Credit in January 2023. She said the... (3 pages)View decision -
Decision Reference DRN-4831102
15 Jul 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4831102 Complaint Mr C complains that Moneybarn No.1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the proper checks weren’t carried out and he was provided with finance that was unaffordable. Background In April 2021, Moneybarn p... (3 pages)View decision -
Decision Reference DRN-3919388
1 Feb 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3919388 The complaint Mr C says NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened Mr C applied for a credit card in March 2018. It was approved with a limit of £250. His credit limit was increased once to £1,250 in July 2022. After Mr C complained to NewDay saying t... (2 pages)View decision
