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 DRN2351459
18 Apr 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr C has complained about short-term loans granted to him by CURO TRANSATLANTIC LIMITED trading as Wage Day Advance (‘Wage Day’ or ‘the lender’). backgroundWage Day agreed seven loans for Mr C between May 2015 and May 2016. The loan amounts ranged from £100 to £550 a... (4 pages)View decision -
Decision Reference DRN1761742
9 Jan 2018 Lending Stream Llc Not upheldBanking and creditMiss S complains that Lending Stream LLC gave her unaffordable instalment loans. She wants a refund, with interest.backgroundMiss S had two loans from Lending Stream between September and October 2013. She said she had other short-term loans and things got out of contr... (2 pages)View decision -
Decision Reference DRN-4945871
9 Aug 2024 Oodle Financial Services Limited Not upheldConsumer CreditDRN-4945871 Complaint Mr G complains that Oodle Financial Services Limited (trading as “Oodle” Car Finance) unfairly entered into a hire-purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable and he wasn’t asked to provide bank statements o... (3 pages)View decision -
Decision Reference DRN-4310320
23 Aug 2023 Bank of Scotland Plc UpheldBanking and PaymentsDRN-4310320 The complaint Miss O says that Bank of Scotland plc, trading as Halifax, increased her overdraft and charged her excessive amounts for it when she was not financially stable. What happened Miss O complained to Halifax that it should not have increased her overdraft in July 2018... (3 pages)View decision -
Decision Reference DRN7073399
30 Jun 2017 Casheuronet UK LLC UpheldBanking and creditMr R has complained about loans granted to him by CashEuroNet UK LLC trading as Pounds to Pocket (“Pounds to Pocket”). He’s said they were unaffordable for him.backgroundPounds to Pocket says it agreed nine loans for Mr R during the period March 2012 to December 201... (4 pages)View decision -
Decision Reference DRN7672513
2 Sep 2019 Western Circle Limited UpheldBanking and creditMr H complains that Western Circle Ltd (trading as Cashfloat) did not do proper affordability checks before lending him money.backgroundMr H had three loans from Cashfloat between December 2016 and April 2017 as follows:Loan Date AmountTerm Due Repayment Repaid 116 Dec 2016£2001m25 Jan 201... (3 pages)View decision -
Decision Reference DRN-4053960
23 Aug 2023 My Finance Club Limited Not upheldConsumer CreditDRN-4053960 The complaint Mr M complains that My Finance Club Limited (MFC) lent to him without doing the right checks. What happened Mr M took four loans from MFC and using the information available to me from its records here is a summary of those: Loan Approved Amount Repaid * repaid ea... (3 pages)View decision -
Decision Reference DRN3068467
22 May 2018 Active Securities Limited UpheldBanking and creditMr A complains that Active Securities Limited, trading as 247 Moneybox, was irresponsible to give him loans that he couldn’t afford to pay back. This contributed to his spiral of debt.backgroundMr A borrowed seven times from 247 Moneybox between April and December 2012,... (3 pages)View decision -
Decision Reference DRN-3363870
10 Mar 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3363870 The complaint Mr B has complained that Madison CF UK Limited trading as 118 118 Money was irresponsible in lending to him. What happened 118 118 Money provided Mr B with the following loans: Date taken Total Loan Term Monthly repayment Amount Borrowed Date repaid Loan 1 24/06/1... (4 pages)View decision -
Decision Reference DRN6500563
19 Feb 2018 NewDay Ltd Not upheldBanking and creditMr M says it was irresponsible of NewDay Ltd to accept his application for a credit card, given his financial circumstances at the time.backgroundMr M applied for a credit card with NewDay in April 2016. NewDay accepted his application and set a credit limit of £450. ... (2 pages)View decision