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 DRN8504350
31 Dec 2018 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr W complains about three short term loans that he took out with Curo TransatlanticLimited, trading as WageDay Advance, (“WDA”). He said that WDA shouldn’t have given himthe loans as they were unaffordable.backgroundMr W took out two instalment loans and one payday l... (5 pages)View decision -
Decision Reference DRN1573651
12 May 2020 Elevate Credit International Limited UpheldBanking and creditComplaintMr K says Elevate Credit International Limited (trading as Sunny) irresponsibly lent to him.BackgroundThis complaint is about 1 running credit facility (RCF) and 33 instalment loans Sunny provided Mr K between November 2014 and July 2018. A summary of Mr K’s borrowing, based on th... (5 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-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-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-4663375
3 Apr 2024 Zopa Bank Limited UpheldBanking and PaymentsDRN-4663375 The complaint Mr B is complaining about Zopa Bank Limited because he says it lent irresponsibly when providing him with a credit card. He says he had a gambling problem for which he’s receiving treatment and he shouldn’t have been given access to further credit. What happened O... (4 pages)View decision -
Decision Reference DRN-5350692
27 Feb 2025 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-5350692 The complaint Mr J has complained that National Westminster Bank Plc (“NatWest”) mis-sold him a fee- paying Reward Black packaged bank account in February 2019. Mr J said that he was told that he had to get the account in order to take out an overdraft. Mr J said that his ea... (3 pages)View decision -
Decision Reference DRN9879228
30 Jun 2017 Lending Stream Llc UpheldBanking and creditMr R has complained about loans granted to him by Lending Stream LLC. He’s said they were unaffordable for him.backgroundLending Stream says it agreed 22 loans for Mr R during the period October 2011 to June 2016. The following table summarises some of the information ... (5 pages)View decision -
Decision Reference DRN-4696337
1 May 2024 Barclays Bank UK PLC UpheldConsumer CreditDRN-4696337 The complaint Mr C complains that Barclays Bank UK PLC lent to him irresponsibly. What happened Mr C has had several loans with Barclays over the years and complains that those listed below were lent to him irresponsibly. Date opened Amount Term Monthly repayment Date repaid Lo... (4 pages)View decision
