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 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 DRN3309831
6 Dec 2018 Amigo Loans Ltd Not upheldBanking and creditMr P complains that Amigo Loans Ltd lent irresponsibly by agreeing four loans in under a year. Mr P also complains that when he asked for help in May 2017 Amigo didn’t offer any assistance. backgroundMr P borrowed £2,500 from Amigo in May 2016. He went on to incr... (3 pages)View decision -
Decision Reference DRN0542717
19 Sep 2017 My Finance Club Limited UpheldBanking and creditMr W complains that My Finance Club Limited (trading as Monkey Dosh) gave him loans that he couldn’t afford. backgroundMr W took five loans from Monkey Dosh between July and October 2012. The amounts he borrowed varied from £200 to £500. Mr W repaid the first four loa... (3 pages)View decision -
Decision Reference DRN2403477
15 Jan 2020 Provident Personal Credit Limited Not upheldBanking and creditMr D complains that Provident Personal Credit Limited (trading as Satsuma) lent to him in an irresponsible manner.backgroundMr D took two loans from Satsuma in October 2015 and September 2018. Mr D complained to this service about loan 1 on an earlier occasion and it was not upheld by an a... (3 pages)View decision -
Decision Reference DRN-3284264
2 Feb 2022 TFS Loans Limited UpheldConsumer CreditDRN-3284264 The complaint Ms H has complained that TFS Loans Limited (“TFS Loans”) provided her with an unaffordable loan. What happened TFS Loans provided Ms H with a loan of £4000 in March 2015. This loan had a 36-month term with a monthly repayment amount of £193.61. This all meant the ... (3 pages)View decision -
Decision Reference DRN-4640526
17 Jun 2024 Paysafe Financial Services Limited Not upheldBanking and PaymentsDRN-4640526 The complaint Mrs K is unhappy with Paysafe Financial Services Limited (trading as Neteller) decision to close her account and retain funds her funds. What happened Mrs K opened an account with Neteller in 2023 and made deposits into it. Mrs K has said she used the account to s... (3 pages)View decision -
Decision Reference DRN-4736154
11 Apr 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4736154 The complaint Ms P complaints that Zopa Bank Limited (“Zopa”) gave her a loan she couldn’t afford to repay. What happened In January 2022 Zopa gave Ms P a loan for £15,000. The loan was to be repaid over 36 months at a monthly repayment of £514.63. The APR on the loan was 15.2%... (3 pages)View decision -
Decision Reference DRN8758844
25 Oct 2016 Inventive Finance Limited UpheldBanking and creditMr N has complained about short-term loans granted to him by Inventive Finance Limited trading as Ladder Loans (“Ladder Loans” or “the lender”).backgroundLadder Loans agreed two loans for Mr N in 2012. Mr N says these loans were unaffordable for him. And that Ladder Loa... (3 pages)View decision -
Decision Reference DRN-5203640
12 Dec 2024 Lloyds Bank PLC Not upheldConsumer CreditDRN-5203640 Complaint Mr D complains that Lloyds Bank PLC (“Lloyds”) unfairly entered into a hire-purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable and so he shouldn’t have been lent to. Background In August 2019, Lloyds provided Mr D ... (3 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
