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 4726 results
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Decision Reference DRN-3124514
6 Dec 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-3124514 The complaint Mr R complained that Loans 2 Go Limited lent to him irresponsibly and provided him with loans that were unaffordable. What happened Loans 2 Go provided loans to Mr R as follows: Date taken Amount Term Monthly repayment Date repaid 6 August 2019 £500 18 months £114... (5 pages)View decision -
Decision Reference DRN-4541802
25 Jan 2024 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4541802 The complaint Mr M complains Tesco Personal Finance PLC trading as Tesco Bank irresponsibly provided him with unaffordable credit limit increases on his credit card. What happened Mr M was provided with the following credit limits on his credit card with Tesco Bank: Lending dec... (4 pages)View decision -
Decision Reference DRN7710464
28 Nov 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr W complains that Express Finance (Bromley) Limited (trading as Payday Express) was irresponsible to lend him money as it should have seen the loans were unaffordable to him.backgroundMr W had three loans, and two top-ups, from Payday Express between October 2011 ... (2 pages)View decision -
Decision Reference DRN9709475
31 Jan 2020 Evergreen Finance London Ltd UpheldBanking and creditMr F says Evergreen Finance London Limited, trading as MoneyBoat.co.uk (“MoneyBoat”), irresponsibly lent to him.backgroundThis complaint is about six short-term loans MoneyBoat provided to Mr F between March 2016 and November 2017. Mr F’s borrowing history is as follows (I have rounded the... (3 pages)View decision -
Decision Reference DRN8280852
16 Apr 2019 Western Circle Limited UpheldBanking and creditMr G complains about five loans he took out with Western Circle Limited, trading asCashfloat, (“WCL”). Mr G says that WCL shouldn’t have given him the loans because theywere unaffordable.background Mr G was given five loans by WCL between December 2016 and December ... (6 pages)View decision -
Decision Reference DRN-3418554
25 Apr 2022 PDL Finance Limited UpheldConsumer CreditDRN-3418554 The complaint Mr M complains that PDL Finance Limited (trading as ‘Mr Lender’) lent to him irresponsibly. What happened This complaint is about loans Mr Lender provided to Mr M as follows: Loan Date taken Date repaid Monthly instalments Amount Highest repayment 1 10/02/2018 14/... (6 pages)View decision -
Decision Reference DRN5015210
6 Jun 2019 Cash On Go Limited Not upheldBanking and creditMr P complains that CASH ON GO LIMITED (trading as peachy.co.uk) didn’t do proper affordability checks before lending to him.backgroundMr P had four loans from Peachy between April 2014 and January 2018 as follows:Loan Date AmountTerm Due Repayment* Status 117 Apr 2014£5... (2 pages)View decision -
Decision Reference DRN3990193
19 Oct 2016 Ecashwindow Ltd UpheldBanking and creditMr N has complained about short-term loans granted to him by Ecashwindow Ltd. backgroundEcashwindow agreed five short-term loans for Mr N over the period July 2011 to May 2013. Mr N says these loans were unaffordable for him and that Ecashwindow would have known that ... (3 pages)View decision -
Decision Reference DRN-3425293
29 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3425293 The complaint Miss O says NewDay Ltd trading as Marbles Card irresponsibly lent to her. What happened Miss O’s complaint is about a credit card account provided by NewDay. The account was opened in December 2015. Miss O was given an initial credit limit of £450. This limit was ... (3 pages)View decision -
Decision Reference DRN7287230
3 Feb 2021 Loans 2 Go Limited UpheldBanking and creditMr E complains that Loans 2 Go Limited irresponsibly lent to him. background From the information provided, Mr E took out two loans with Loans 2 Go. The first loan was taken in January 2018 for £250. The loan was due to run for 18 months with monthly instalments of £56.64. I understand tha... (3 pages)View decision
