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
-
Decision Reference DRN-4565026
18 Jan 2024 Brent Shrine Credit Union Limited UpheldConsumer CreditDRN-4565026 The complaint Mr P complains that Brent Shrine Credit Union Limited trading as My Community Bank (“BSCU”) irresponsibly gave him a fixed sum loan agreement he couldn’t afford to repay. What happened In November 2022, Mr P applied for a personal loan with BSCU. The credit agreem... (5 pages)View decision -
Decision Reference DRN-4003089
20 Mar 2023 Inclusive Finance Limited UpheldConsumer CreditDRN-4003089 The complaint Mr P complains Inclusive Finance Limited, trading as Creditspring, lent to him irresponsibly. What happened In January 2021 Mr P entered into a credit agreement with Creditspring. He agreed to pay a fee of £6 a month for 12 months, which entitled him to draw down ... (5 pages)View decision -
Decision Reference DRN-2642643
8 Jul 2021 Madison CF UK Limited UpheldConsumer CreditDRN-2642643 The complaint Mr P complains that Madison CF UK Limited trading as 118 118 Money lent to him irresponsibly. What happened Mr P was given two loans by 118 118 Money as follows: Date Amount Term Monthly repayment APR Amount Payable 720540 07/09/2016 £2,000.00 24 £160.98 99.9% £3,... (5 pages)View decision -
Decision Reference DRN0848133
2 Feb 2018 Instant Cash Loans Limited UpheldBanking and creditMr T has complained about short term loans given to him by Instant Cash Loans Limited (trading as “The Money Shop”). He’s said he shouldn’t have been given these loans as they were unaffordable to him. backgroundMr T took four loans in total with The Money Shop. His... (5 pages)View decision -
Decision Reference DRN1566969
25 Apr 2017 Casheuronet UK LLC UpheldBanking and creditMr H complains about 11 payday loans and one flex account he took out with CashEuroNet UK LLC (trading as Quick Quid) which he says Quick Quid shouldn’t have given him because the borrowing wasn’t affordable. backgroundMr H’s borrowing history can be found in the appe... (7 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 DRN5074836
4 May 2017 Instant Cash Loans Limited UpheldBanking and creditMiss C has complained that Instant Cash Loans Limited (trading as Payday UK) shouldn’t have given her three loans, as she couldn’t afford to repay them. backgroundLoan one was taken out in November 2015 for £110. This was a payday loan and the principal plus interest ... (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 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 -
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
