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 4648 results
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Decision Reference DRN8883177
18 Sep 2018 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr H complains that CURO TRANSATLANTIC LIMITED, trading as WageDay Advance, gave him loans he couldn’t afford to repay. backgroundMr H took out the following loans with WageDay Advance:date£ amount borroweddate repaid12 November 20118015 November 2011228 November 201123015 D... (3 pages)View decision -
Decision Reference DRN-4600375
11 Sep 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4600375 The complaint Mr G complains that Moneybarn No. 1 Limited (‘Moneybarn’) irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In November 2021, Mr G acquired a used car financed by a conditional sale agreement from Moneybarn. Mr G... (3 pages)View decision -
Decision Reference DRN1991796
23 Aug 2019 PDL Finance Limited UpheldBanking and creditMiss T says PDL Finance Limited (trading as “Mr Lender”) irresponsibly lent to her as it ought to have seen that she had previously had problems managing debt.backgroundThis complaint is about five High-Cost Short-Term Credit instalment loans Mr Lender provided to Miss T between November 2... (3 pages)View decision -
Decision Reference DRN4789036
1 Aug 2019 Moneybarn No. 1 Limited Not upheldBanking and creditMr B complains that Moneybarn No.1 Limited (Moneybarn) acted irresponsibly when it lent him money to buy a car, and that now the loan is in default, he’s being asked to repay more than he owes.backgroundMr B entered into a conditional sale agreement with Moneybarn in 2016. He was to pay ab... (3 pages)View decision -
Decision Reference DRN-4330789
3 Nov 2023 National Westminster Bank Plc Not upheldConsumer CreditDRN-4330789 The complaint Mrs D complains that National Westminster Bank Plc (‘NatWest’) irresponsibly gave her a loan that she couldn’t afford. What happened In December 2020, Mrs D applied for a loan with NatWest for the stated purpose of consolidating other debt. She was given a loan of... (3 pages)View decision -
Decision Reference DRN-4075695
8 Sep 2023 National Westminster Bank Plc Not upheldConsumer CreditDRN-4075695 The complaint Mr H complains that National Westminster Bank Plc lent to him irresponsibly. What happened Mr H successfully applied for two loans with National Westminster Bank Plc (“Natwest”) in 2016. The first loan was for £8,000 and was taken out in May 2016 with monthly repa... (3 pages)View decision -
Decision Reference DRN8803410
21 Nov 2017 Lending Stream Llc UpheldBanking and creditMr W complains that Lending Stream LLC gave him loans that he couldn’t afford to repay.backgroundMr W was given eight loans by Lending Stream between August 2016 and November 2016. Each of the loans was repayable in six monthly instalments, but Mr W usually repaid t... (3 pages)View decision -
Decision Reference DRN3474340
26 Mar 2019 PDL Finance Limited UpheldBanking and creditMr S complains that PDL Finance Limited (trading as Mr Lender) gave him loans that he couldn’t afford.backgroundMr S took out a total of five loans with Mr Lender between January 2014 and July 2016.LoanDateAmountDate repaidNo. of instalments106.01.14£30027.01.141201.02.14£... (3 pages)View decision -
Decision Reference DRN3123047
11 Nov 2020 Avantcredit Of Uk, Llc UpheldBanking and creditMr C has complained that AvantCredit of UK LLC lent to him irresponsibly. background Mr C was given a loan by AvantCredit in January 2014 for £1,700. The loan was due to be repaid in 18 monthly instalments of around £181. I understand the loan has been repaid. One of our adjudicators has l... (3 pages)View decision -
Decision Reference DRN-3216236
17 Feb 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3216236 The complaint Mr P complained that Madison CF UK Limited trading as 118 118 Money lent to him irresponsibly and provided him with an unaffordable loan. What happened Mr P was given a loan by 118 118 Money as follows: Loan start date Loan amount Monthly repayment Total amount re... (3 pages)View decision
