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 4777 results
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Decision Reference DRN-3167884
6 Jan 2022 TFS Loans Limited UpheldConsumer CreditDRN-3167884 The complaint Mr M complains that TFS Loans Limited lent to him in an irresponsible manner. What happened Mr M was given a single loan by TFS in March 2017. He borrowed £7,500 and agreed to repay the loan in 48 monthly instalments. Mr M repaid his loan in December 2020. Mr M’s ... (3 pages)View decision -
Decision Reference DRN-4667187
21 May 2024 Commsave Credit Union Limited Not upheldConsumer CreditDRN-4667187 The complaint Mr W complains that Commsave Credit Union Limited lent to him irresponsibly. What happened A lending relationship existed between Mr W and Commsave over a period of time and Mr W’s complaint here focuses on his loans from August 2022 to May 2023. The relevant loan... (4 pages)View decision -
Decision Reference DRN-2804068
10 May 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2804068 The complaint Mr Y complains that four personal loans provided to him by Loans 2 Go Limited, trading as Loans 2 Go, (“L2G”), were unaffordable What happened Mr Y was given four loans by L2G from May 2019 to August 2019. The loans have been repaid. A summary of Mr Y’s borrowing... (7 pages)View decision -
Decision Reference DRN7847765
15 Aug 2018 Active Securities Limited UpheldBanking and creditMr W complains that Active Securities Limited, trading as 247Moneybox.com (“Moneybox”) was irresponsible in that it lent money to him when he applied for loans.backgroundMr W says that prior to borrowing from Moneybox he had no disposable income as he had debts. Moneybox ... (4 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 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 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-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 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 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
