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 4727 results
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Decision Reference DRN-5309390
14 Feb 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5309390 The complaint Mr B complains that Moneybarn No.1 Limited trading as Moneybarn (“Moneybarn”) lent to him without carrying out sufficient checks. What happened In July 2022, Moneybarn provided Mr B with a conditional sale agreement for a used car through a credit intermediar... (4 pages)View decision -
Decision Reference DRN-5235976
9 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5235976 The complaint With the help of a professional representative (PR), Mr D complains that Vanquis Bank Limited lent to him irresponsibly. For ease, I’ll refer to the PR’s actions as being those of Mr D. What happened On 15 August 2014, Mr D applied for – and received – a credit... (4 pages)View decision -
Decision Reference DRN-2675362
18 Aug 2021 UK Credit Limited UpheldConsumer CreditDRN-2675362 The complaint Mr T says UK Credit Limited lent to him irresponsibly. What happened Mr T took out a guarantor loan from UK Credit on 15 August 2018. It was for £9000 over 60 months. The monthly repayment was £313.96 and the total repayable was £18837.60. I understand there remai... (4 pages)View decision -
Decision Reference DRN-2513967
29 Jan 2021 Western Circle Ltd UpheldConsumer CreditDRN-2513967 The complaint Mr M complains that Western Circle Ltd (trading as ‘Cashfloat’) acted irresponsibly when lending to him. What happened Between September 2019 and January 2020 Cashfloat provided Mr M with four loans. Here’s a table setting out loan details: Loan Date Taken Date Re... (4 pages)View decision -
Decision Reference DRN-4652026
26 Mar 2024 Startline Motor Finance Limited Not upheldConsumer CreditDRN-4652026 Complaint Ms S complains that Startline Motor Finance Limited (“Startline”) unfairly entered into a hire- purchase agreement with her. She’s said the monthly payments to the agreement were not affordable and so she shouldn’t have been accepted for it. Background In January 2022... (5 pages)View decision -
Decision Reference DRN-4689841
23 Apr 2024 TSB Bank plc UpheldBanking and PaymentsDRN-4689841 The complaint Mr R complains that TSB Bank plc have been unable to retrieve funds he sent to a wrong account. Mr R is also unhappy that TSB closed his accounts and the service he received. What happened Mr R had a current account and savings account with TSB. In September 2023,... (5 pages)View decision -
Decision Reference DRN2796666
1 Jun 2018 Provident Personal Credit Limited UpheldBanking and creditMr G complains that Provident Personal Credit Limited (trading as Satsuma Loans) gave him loans that he couldn’t afford.backgroundMr G took out a total of five loans with Satsuma between September 2015 and February 2017.LoanDate of loanDate repaidAmount lentWeekly payment... (4 pages)View decision -
Decision Reference DRN-2856008
20 Aug 2021 TSB Bank plc Not upheldBanking and PaymentsDRN-2856008 The complaint Mr P complains that TSB Bank plc won’t refund payments he didn’t make from his account. What happened Mr P says that his card must have been lost when he was out on 12 March 2020. He had made a balance enquiry and thinks his PIN was seen over his shoulder. He late... (3 pages)View decision -
Decision Reference DRN6325735
16 Aug 2017 Cash On Go Limited UpheldBanking and creditMiss M complains that Cash on Go Limited (trading as Peachy.co.uk) gave her unaffordable instalment loans. She wants a refund of the interest she paid, with interest. backgroundMiss M had 10 loans from Peachy between March 2015 and August 2016. She said the loans were... (2 pages)View decision -
Decision Reference DRN6399366
4 Jun 2019 Casheuronet UK LLC UpheldBanking and creditMr H complains that CashEuroNet UK LLC, trading as QuickQuid, lent to him in an irresponsible manner.backgroundMr H took out five loans with QuickQuid between July 2016 and November 2017. The last loan remains outstanding. A summary of the loans is as follows:date£ ... (3 pages)View decision
