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 5125 results
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Decision Reference DRN7234119
3 Apr 2019 Gain Credit LLC UpheldBanking and creditMr D complains about eight instalment loans that he took out with Gain Credit LLC, tradingas Lending Stream, (“LS”). He said, in summary, that LS shouldn’t have given him the loansas they were unaffordable.backgroundMr D took out eight instalment loans with LS and th... (7 pages)View decision -
Decision Reference DRN2679773
28 Jun 2013 National Westminster Bank Plc Not upheldBanking and creditMr K says National Westminster Bank Plc is wrong to hold him responsible for transactions in favour of a company offering gambling services. The transactions were apparently made using his computer and security information, including a secure password. Mr K says his computer was hacked... (1 page)View decision -
Decision Reference DRN-3272586
24 Jan 2022 Bamboo Limited UpheldConsumer CreditDRN-3272586 The complaint Mr S complains about two loans from Bamboo Limited, trading as Bamboo Loans, (“Bamboo”), which he says were unaffordable. What happened Mr S was given two loans by Bamboo. Loan 1 was for £5,000 and was taken out in March 2019. Loan 2 was for £5,200 and was taken o... (8 pages)View decision -
Decision Reference DRN-4074097
23 Jun 2023 Valour Finance Limited Not upheldConsumer CreditDRN-4074097 The complaint Mrs M, through her representative, complains that Valour Finance Limited, trading as Savvy.co.uk (Valour) lent to her when she could not afford it. What happened Mrs M took one loan with Valour in November 2018 for £550. The interest payable was £549.92 and so the... (3 pages)View decision -
Decision Reference DRN-3677618
1 Sep 2022 Evergreen Finance London Limited UpheldConsumer CreditDRN-3677618 The complaint Miss M complains that the loans she had from Evergreen Finance London Limited (trading as Moneyboat) were unaffordable to her. What happened Miss M had three loans from Moneyboat between April 2021 and June 2021 as follows: Loan Date Amount Term Monthly Repayment ... (3 pages)View decision -
Decision Reference DRN-5725040
4 Aug 2025 FirstRand Bank Limited Not upheldConsumer CreditDRN-5725040 Complaint Mrs L complains that FirstRand Bank Limited (trading as “MotoNovo Finance”) unfairly entered into a hire-purchase agreement with her. She’s said that the proper checks weren’t carried out which led to her being provided with finance that was unaffordable and that t... (5 pages)View decision -
Decision Reference DRN7710464
28 Nov 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr W complains that Express Finance (Bromley) Limited (trading as Payday Express) was irresponsible to lend him money as it should have seen the loans were unaffordable to him.backgroundMr W had three loans, and two top-ups, from Payday Express between October 2011 ... (2 pages)View decision -
Decision Reference DRN8722765
18 Jul 2019 Casheuronet UK LLC Not upheldBanking and creditMr D complains that his loans from CashEuroNet UK LLC, trading as QuickQuid, were unaffordable and shouldn’t have been made to him – and he says that they’ve caused him financial difficulty.backgroundMr D was given five loans by QuickQuid between February 2016 and October 2017. And he topp... (4 pages)View decision -
Decision Reference DRN0677237
13 Dec 2017 Loans 2 Go Limited Not upheldBanking and creditMr D has complained Loans 2 Go Limited shouldn’t have given him two loans as he believes these were unaffordable. He doesn’t think they carried out enough checks.backgroundMr D applied for a log book loan with Loans 2 Go in September 2013. He borrowed £2,500. He agree... (2 pages)View decision -
Decision Reference DRN-5411949
23 Apr 2025 Sainsbury's Bank Plc Not upheldBanking and PaymentsDRN-5411949 The complaint Mr M complains that Sainsbury’s Bank Plc irresponsibly lent to him. What happened Mr M was approved for a Sainsbury’s credit card with an £11,000 credit limit in January 2021. Mr M says this was irresponsibly lent to him. Mr M made a complaint to Sainsbury’s. S... (2 pages)View decision
