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 DRN-4666249
26 Mar 2024 Specialist Motor Finance Limited UpheldConsumer CreditDRN-4666249 The complaint Mr C complains that Specialist Motor Finance Limited (SMF) failed to complete adequate checks prior to approving a Hire Purchase agreement for him. He says had they done, the finance would not have been agreed. What happened In August 2018, Mr C acquired a used ca... (4 pages)View decision -
Decision Reference DRN4755973
31 Oct 2017 Apfin Ltd UpheldBanking and creditMr Y complains about payday loans taken with Apfin LTD (trading as cashasap) which he says were unaffordable, so the loans shouldn’t have been given to him.backgroundA summary of Mr Y’s borrowing history can be found in the appendix at the end of this decision. Our ... (6 pages)View decision -
Decision Reference DRN2270979
8 Jan 2014 Bank of Scotland Plc Not upheldBanking and creditK complains through its directors that Bank of Scotland plc (trading in this instance as Halifax) failed to identify fraudulent activity on the account of one its customers, and that this caused K loss. backgroundK employed Mr D as its bookkeeper. Mr D arranged fraudulent transfers from ... (1 page)View decision -
Decision Reference DRN3078439
22 Nov 2016 Monkey Dosh Ltd UpheldBanking and creditMr W has complained that Monkey Dosh Ltd lent to him irresponsibly.backgroundMr W took out five loans with Monkey Dosh between 8 August 2011 and 5 December 2013. These were as follows: loan 1: £150.00 taken out on 8 August 2011 and repaid on 31 August 2011; loan 2... (3 pages)View decision -
Decision Reference DRN-3142709
10 Feb 2022 Lendable Ltd Not upheldConsumer CreditDRN-3142709 The complaint Mr J has complained that Lendable Ltd was irresponsible in lending to him. What happened In May 2019 Mr J took out a loan with Lendable for £2,950. He said the loan was to consolidate his debts. The loan was taken out over 18 months with an APR of 31.14% and his m... (3 pages)View decision -
Decision Reference DRN3206070
30 Jan 2019 Amigo Loans Ltd Not upheldBanking and creditMrs H complains that Amigo Loans Ltd lent money to her that she could not afford to repay. backgroundMrs H entered into two loans with Amigo Loans one in 2012 and the second in 2016. This complaint relates to her 2016 loan.Mrs H says that the loan was unaffordab... (3 pages)View decision -
Decision Reference DRN8000753
25 Jun 2018 Casheuronet UK LLC UpheldBanking and creditMr R complains that CashEuroNet UK LLC (trading as QuickQuid and Pounds to Pocket) gave him loans that he couldn’t afford to repay.backgroundMr R was given 21 loans and a flexible credit facility by QuickQuid. Mr R was also given 5 instalment loans by Pounds to P... (3 pages)View decision -
Decision Reference DRN4140395
3 May 2017 WDFC UK Limited UpheldBanking and creditMr R complains that WDFC UK Limited (trading as Wonga) gave him loans he couldn’t afford to repay. He asks that it refunds interest and charges and pays compensation.backgroundMr R took out 16 loans with Wonga between March 2012 and April 2013 for amounts between £20 ... (3 pages)View decision -
Decision Reference DRN-2939198
23 Jul 2021 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-2939198 Complaint Mr B has complained that The Royal Bank of Scotland Plc (“RBS”) irresponsibly increased his overdraft limit and provided him with a loan in 2019. He says that RBS ought to have realised he was a gambler and that’s what he would be using the funds advanced for. Backgr... (4 pages)View decision -
Decision Reference DRN9455954
6 Feb 2018 Apfin Ltd UpheldBanking and creditMr H complains that APFIN LTD, trading as cashasap.co.uk, gave him loans he couldn’t afford to repay.backgroundMr H took out the following loans from cashasap:date£ amount borrowed date repaid15 June 20165010 June 2016210 June 201632514 June 2016314 June 201632525 November 2... (3 pages)View decision
