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
-
Decision Reference DRN3624856
18 Sep 2017 Active Securities Limited UpheldBanking and creditMr G complains that Active Securities Limited (trading as 247 Moneybox) gave him loans that he couldn’t afford to repay.backgroundMr G was given 25 loans by 247 Moneybox between October 2012 and April 2016. He was unable to repay many of his loans on time, so needed ... (4 pages)View decision -
Decision Reference DRN1924283
14 Aug 2019 Gain Credit LLC UpheldBanking and creditMr L complains that Gain Credit LLC (trading as Lending Stream) gave him loans irresponsibly.background Mr L took out 5 loans with Lending Stream between February and November 2015. His representatives say that these loans trapped him in a debt spiral and were irresponsibly given to him. M... (3 pages)View decision -
Decision Reference DRN3284303
28 Sep 2017 SRC Transatlantic Limited UpheldBanking and creditMr K complains about loans taken with SRC Transatlantic Limited (trading as Speedy Cash) which he says shouldn’t have been given to him because the loans weren’t affordable. backgroundA summary of Mr K’s borrowing is as follows; loan numberloan amountreceived date act... (4 pages)View decision -
Decision Reference DRN-4873763
26 Jun 2024 Madison CF UK Limited Not upheldConsumer CreditDRN-4873763 The complaint Mr H is complaining that Madison CF UK Limited trading as 118 118 Money (118) lent to him irresponsibly by providing him with two personal loans. Mr H’s complaint has been brought to us by a representative but for ease I’ve written as if we’ve dealt directly with ... (4 pages)View decision -
Decision Reference DRN-3197956
4 Jan 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3197956 The complaint Mr L complains that NewDay Ltd was irresponsible in its lending to him. He wants the interest and charges on his credit cards refunded and the accounts removed from his credit file. What happened NewDay provided Mr L with two credit cards. He says that at the time... (4 pages)View decision -
Decision Reference DRN7538168
28 Mar 2019 Uncle Buck Finance LLP UpheldBanking and creditMr C complains that Uncle Buck Finance LLP, trading as Uncle Buck, (“UBF”), gave himloans that he couldn’t afford to repay.backgroundMr C took out three loans with UBF and details of these are shown below. The loans were allrepayable by three monthly instalments and h... (6 pages)View decision -
Decision Reference DRN5203624
20 Oct 2016 MEM Consumer Finance Limited UpheldBanking and creditMr C complains that MEM Consumer Finance Limited (trading as Payday UK) agreed to give him three loans that he couldn’t afford to repay.backgroundMr C first borrowed from Payday UK in May 2013 – the loan was for £450. A couple of days after repaying that loan, in Jun... (2 pages)View decision -
Decision Reference DRN2972228
27 Sep 2019 Barclays Bank UK PLC Not upheldBanking and creditMr B has complained that Barclays Bank UK Plc increased his credit card limit twice in 2014 without properly checking to make sure this was affordable. backgroundThe original limit for Mr B’s credit card account was £400. This increased to £800 in April 2013. Mr B tended to pay more than t... (4 pages)View decision -
Decision Reference DRN-3963086
22 Feb 2023 Oplo PL Ltd UpheldConsumer CreditDRN-3963086 The complaint Ms D says Oplo PL Ltd, trading as 1st Stop Personal Loans, irresponsibly lent to her. What happened Ms D took out a 30-month instalment loan from Oplo on 14 February 2018. It was for £3,000 and the monthly repayments were £137.20 The total repayable was £4,116. Ms... (4 pages)View decision -
Decision Reference DRN8537628
12 Dec 2018 Casheuronet UK LLC UpheldBanking and creditMr S complains CashEuroNet UK LLC (trading as QuickQuid) lent to him irresponsibly.backgroundMr S took eight loans with QuickQuid between October 2016 and December 2017. I’ve set out some of the information we’ve received about these loans in the table below:Loan DateDa... (4 pages)View decision
