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 4727 results
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Decision Reference DRN3590889
26 Jul 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr A complains that CURO TRANSATLANTIC LIMITED (trading as Wage Day Advance) gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges and removes information about the loans from his credit file.backgroundMr A took out 15 loans between ... (3 pages)View decision -
Decision Reference DRN6082794
16 Jun 2017 Cash On Go Limited Not upheldBanking and creditMr R complains that Cash On Go Limited (trading as Peachy.co.uk) made short-term lending to him when it shouldn’t have.backgroundIn 2013 and 2014, Mr R had some loans from Peachy. He repaid them but later complained that the repayments hadn't been affordable for hi... (3 pages)View decision -
Decision Reference DRN-5474801
16 Apr 2025 Evergreen Finance London Limited UpheldConsumer CreditDRN-5474801 The complaint Mr H complains through a representative that Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) provided him with loans without carrying out sufficient affordability checks. What happened A summary of Mr H’s borrowing can be found below.... (7 pages)View decision -
Decision Reference DRN2372524
15 May 2017 MEM Consumer Finance Limited UpheldBanking and creditMr C has complained about payday loans he took out with MEM Consumer Finance Limited (trading as Payday UK). He says Payday UK didn’t check whether the loans were affordable, and had it done so, it wouldn’t have lent to him. background Mr C borrowed 8 loans from Pa... (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-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
