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 4630 results
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Decision Reference DRN-4729357
8 Apr 2024 Plata Finance Limited UpheldConsumer CreditDRN-4729357 The complaint Mr W is complaining about Plata Finance Limited because he says it lent to him irresponsibly without carrying out adequate checks into his financial situation. What happened On 2 May 2023, Mr W took out a personal loan with Plata. He borrowed £20,000 over a term o... (5 pages)View decision -
Decision Reference DRN0000139
13 Mar 2020 Madison CF UK Limited UpheldBanking and creditComplaintMr H complains that Madison CF UK Limited trading as 118 118 Money acted irresponsibly by lending him money in March 2018.BackgroundThe background to this complaint and my provisional findings are set out in my provisional decision dated 26 February 2020 – a copy of which is attac... (5 pages)View decision -
Decision Reference DRN-2390731
12 Apr 2021 Retail Money Market Ltd Not upheldConsumer CreditDRN-2390731 The complaint Mr N complains that Retail Money Market Ltd trading as RateSetter irresponsibly gave him a fixed sum loan agreement that he couldn’t afford. What happened In May 2016, Mr N applied for a fixed sum loan of £12,000 with RateSetter in order to consolidate his existin... (4 pages)View decision -
Decision Reference DRN5751007
23 Aug 2018 Western Circle Limited UpheldBanking and creditMr O complains about the loans he took out with Western Circle Ltd trading as Cashfloat. He says that he had no option but to borrow multiple times due to spiralling debt problems. He says Cashfloat didn’t adequately assess his loan applications, if it did it would’ve... (5 pages)View decision -
Decision Reference DRN-4999786
20 Sep 2024 Evergreen Finance London Limited Not upheldConsumer CreditDRN-4999786 The complaint Mr M complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) provided him with loans without properly checking his finances. What happened Mr M was granted five loans and a summary of his borrowing can be found below. loan num... (5 pages)View decision -
Decision Reference DRN5937921
15 May 2017 WDFC UK Limited UpheldBanking and creditMr A complains that WDFC UK Limited (trading as wonga.com) gave him payday loans without carrying out adequate affordability checks. He wants a refund of the interest and charges he paid. backgroundMr A had 21 loans from Wonga between November 2013 and April 2016. H... (3 pages)View decision -
Decision Reference DRN-4028223
12 Apr 2023 Retail Money Market Ltd Not upheldConsumer CreditDRN-4028223 The complaint Mr S complains that Retail Money Market Ltd trading as RateSetter irresponsibly gave him a peer-to-peer loan he couldn’t afford to repay. What happened In May 2018, Mr S applied for a peer-to-peer loan with RateSetter. His application was approved, and he was give... (3 pages)View decision -
Decision Reference DRN5345923
7 Mar 2018 Gain Credit LLC Not upheldBanking and creditMr D complains that Lending Stream LLC was irresponsible to lend him money.background Mr D had ten six-month instalment loans from Lending Stream between April 2015 and February 2017 as follows:Loan Date Amount DueRepaid Notes 123 Apr 2015£20030 Oct 20151 Oct 2015216 Jul 20... (3 pages)View decision -
Decision Reference DRN-3491291
20 May 2022 Shelby Finance Ltd UpheldConsumer CreditDRN-3491291 The complaint Mr W complains that the loans he had from Shelby Finance Ltd (trading as Dot Dot Loans) were unaffordable. What happened Mr W had five loans from Dot Dot Loans between February 2020 and November 2021 as follows: Loan Date Amount Term Monthly Repayment Due Repaid 1... (3 pages)View decision -
Decision Reference DRN-3543721
15 Jun 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3543721 The Complaint Mr J says that Everyday Lending Limited (trading as Everyday Loans) (the ‘Business’) lent to him irresponsibly when he was granted a personal loan on 23 May 2012. Background to the Complaint The Business provided Mr J with a £3,000 loan (the ‘Primary Loan’). It ha... (6 pages)View decision
