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 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-3014255
26 Aug 2021 Oakbrook Finance Limited UpheldConsumer CreditDRN-3014255 The complaint Mr P complains that Oakbrook Finance Limited trading as Likely Loans (Likely Loans) provided lending to him which was unaffordable and irresponsible. He says they should have looked at his financial circumstances in more detail before agreeing to the loans as he c... (3 pages)View decision -
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 DRN-4131118
21 Jun 2023 Chetwood Financial Limited Not upheldConsumer CreditDRN-4131118 The complaint Mrs A complains that Chetwood Financial Limited trading as LiveLend (LL) lent to her irresponsibly. What happened In March 2019 Mrs A applied to LL for a loan. LL approved the application and gave Mrs A a loan for £2000 repayable over a term of 24 months with mont... (2 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 -
Decision Reference DRN1150539
1 Mar 2019 Casheuronet UK LLC UpheldBanking and creditMr G has complained about short-term loans granted to him by CashEuroNet UK LLC trading as “QuickQuid”. Mr G says he couldn’t afford these loans and that QuickQuid didn’t take appropriate steps to check whether he could afford them when he took them out. backgroundQuick... (5 pages)View decision -
Decision Reference DRN-3277217
5 Apr 2022 Lendable Ltd Not upheldConsumer CreditDRN-3277217 The complaint Mr N complains that Lendable Ltd lent to him in an irresponsible manner. What happened Mr N was given two loans by Lendable. He first borrowed £1,000 in January 2020 that he agreed to repay in 12 monthly instalments. Mr N repaid that loan earlier than planned, in ... (3 pages)View decision -
Decision Reference DRN9909644
19 Dec 2019 Provident Personal Credit Limited Not upheldBanking and creditComplaintMr C complains that Provident Personal Credit Limited (trading as Satsuma) gave him loans irresponsibly.BackgroundMr C was given four loans by Satsuma, as follows: Loan NoAmountDateTermMonthlyRepaid 1£30015.11.17 3m£1481.3.18 2£3003.1.185m£1061.6.18 3£8803.5.1811m£159 Outstanding ... (4 pages)View decision -
Decision Reference DRN-5060451
15 Oct 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5060451 The complaint Miss D complains that Vanquis Bank Limited lent to her irresponsibly. What happened Miss D applied for a credit card with Vanquis in January 2022. Vanquis approved the application and gave Miss D a credit card with an initial credit limit of £1000. In May 2022 ... (3 pages)View decision -
Decision Reference DRN-3088419
7 Mar 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3088419 The complaint Mr M complains that Bank of Scotland plc trading as Halifax (Halifax) provided lending to him through a credit card which was unaffordable and irresponsible. What happened Mr M took out a Halifax credit card in 2015 with a limit of £1500. Halifax increased this l... (3 pages)View decision