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 5443 results
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Decision Reference DRN5631290
27 Nov 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr F complains about a number of payday loans he borrowed from Curo Transatlantic Limited (trading as Wageday Advance). He says the loans became difficult to manage and this led him into a debt spiral.backgroundI issued a provisional decision on 30 October 2017 where ... (7 pages)View decision -
Decision Reference DRN-2675362
18 Aug 2021 UK Credit Limited UpheldConsumer CreditDRN-2675362 The complaint Mr T says UK Credit Limited lent to him irresponsibly. What happened Mr T took out a guarantor loan from UK Credit on 15 August 2018. It was for £9000 over 60 months. The monthly repayment was £313.96 and the total repayable was £18837.60. I understand there remai... (4 pages)View decision -
Decision Reference DRN-2513967
29 Jan 2021 Western Circle Ltd UpheldConsumer CreditDRN-2513967 The complaint Mr M complains that Western Circle Ltd (trading as ‘Cashfloat’) acted irresponsibly when lending to him. What happened Between September 2019 and January 2020 Cashfloat provided Mr M with four loans. Here’s a table setting out loan details: Loan Date Taken Date Re... (4 pages)View decision -
Decision Reference DRN-5235976
9 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5235976 The complaint With the help of a professional representative (PR), Mr D complains that Vanquis Bank Limited lent to him irresponsibly. For ease, I’ll refer to the PR’s actions as being those of Mr D. What happened On 15 August 2014, Mr D applied for – and received – a credit... (4 pages)View decision -
Decision Reference DRN-5833676
30 Sep 2025 Monzo Bank Ltd UpheldBanking and PaymentsDRN-5833676 The complaint Mr M complains that Monzo Bank Ltd (Monzo) has treated him unfairly about transactions made on his debit card for simulated trading accounts. What happened Mr M purchased a simulated trading account from a merchant who I’ll call T. The payment was made using Mr... (3 pages)View decision -
Decision Reference DRN-5309390
14 Feb 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5309390 The complaint Mr B complains that Moneybarn No.1 Limited trading as Moneybarn (“Moneybarn”) lent to him without carrying out sufficient checks. What happened In July 2022, Moneybarn provided Mr B with a conditional sale agreement for a used car through a credit intermediar... (4 pages)View decision -
Decision Reference DRN-5502443
5 Sep 2025 Lendable Ltd Not upheldBanking and PaymentsDRN-5502443 The complaint Mr Y complains that Lendable Ltd trading as Zable irresponsibly lent to him. What happened Mr Y was approved for a Zable credit card in May 2022 with a credit limit of £500. I have detailed out the credit limit increases below: July 2022 £500 to £800 December 2... (4 pages)View decision -
Decision Reference DRN7422481
24 Aug 2018 Casheuronet UK LLC UpheldBanking and creditMr L says CashEuroNet UK LLC (trading as Quick Quid) was irresponsible to offer him loans he couldn’t afford. Mr L is represented by a claims management company. He asks that Quick Quid pays compensation and removes the loans from his credit file.backgroundMr L took ... (2 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