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 4744 results
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Decision Reference DRN0723981
15 Jan 2020 PDL Finance Limited UpheldBanking and creditMr D complains that PDL Finance Limited (trading as Mr Lender) irresponsibly gave him loans he couldn’t afford to pay back.backgroundMr Lender gave Mr D 3 loans between July and December 2017. Mr D says that proportionate checks weren’t carried out before the loans were provided. He says i... (3 pages)View decision -
Decision Reference DRN6422131
4 Feb 2021 Madison CF UK Limited UpheldBanking and creditMr K complains that Madison CF UK Limited trading as 118118 Money (“MCF”) lent to him in an irresponsible manner. background Mr K’s complaint has previously been considered by another ombudsman who issued a provisional decision on the complaint in November 2020. I understand that both Mr K... (3 pages)View decision -
Decision Reference DRN8161872
20 Feb 2020 Loans 2 Go Limited UpheldBanking and creditMr S complains Loans 2 Go Limited irresponsibly lent to him. He says Loans 2 Go didn’t complete reasonable and proportionate checks before deciding to lend to him. Mr S complains had Loans 2 Go done so, it would’ve seen the loan was unaffordable.backgroundLoans 2 Go approved Mr S for a loa... (3 pages)View decision -
Decision Reference DRN-4818546
30 Aug 2024 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-4818546 Complaint Miss S complains that Specialist Motor Finance Limited (“SMF”) unfairly entered into a hire- purchase agreement with her. She’s said the monthly payments to the agreement were unaffordable and so she shouldn’t have been accepted for it. Background In March 2021, S... (3 pages)View decision -
Decision Reference DRN1015785
29 Jan 2018 Lending Stream Llc Not upheldBanking and creditMiss C complains that Lending Stream LLC gave her loans that she couldn’t afford to repay.background The background to this complaint was set out in my provisional decision dated November 2017. An extract from this is attached and forms part of this final decision, ... (5 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 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 DRN1551609
4 May 2021 Carcashpoint Limited UpheldBanking and creditMr P complains that CarCashPoint Limited (“CarCashPoint”) unfairly provided him with logbook loans. background CarCashPoint provided Mr P with logbook loans as follows: Loan Date taken Date repaid Number of instalments Loan amount Weekly repayment* 1 30/03/2017 22/09/2017 78 weekly £560.0... (4 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 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
