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 4764 results
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Decision Reference DRN-4490137
1 Dec 2023 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4490137 The complaint Mr H complains that HSBC UK Bank Plc closed his bank account and didn’t treat him fairly when it asked him to repay money he owed after a failed chargeback claim. What happened The detailed background of this complaint is well known to both parties. So, I’ll only ... (7 pages)View decision -
Decision Reference DRN4535412
17 May 2018 Gain Credit LLC UpheldBanking and creditMr H complains that Gain Credit LLC, trading as Lending Stream, gave him loans he couldn’t afford to repay.backgroundMr H took out the following instalment loans with Lending Stream:date£ amount borroweddate repaid11 December 20111352 February 2012230 December 20112658 Febru... (3 pages)View decision -
Decision Reference DRN-2442000
15 Aug 2021 TFS Loans Limited UpheldConsumer CreditDRN-2442000 The complaint Mr H has complained that TFS Loans Limited (“TFS Loans”) provided him with an unaffordable loan. What happened TFS Loans provided Mr H with a loan of £7,500 in March 2018. This loan had a 48-months term with a monthly repayment amount of £288.13. This all meant th... (3 pages)View decision -
Decision Reference DRN5602519
21 Feb 2018 Gain Credit LLC Not upheldBanking and creditMr D complains that Lending Stream LLC lent him money he couldn’t afford to repay.backgroundMr D took out 8 instalment loans with Lending Stream between April 2013 and January 2017.No.Borrowing DateRepayment dateLoan AmountNumber of Instalments Maximum combined monthly in... (4 pages)View decision -
Decision Reference DRN-2342604
17 Nov 2020 Loans 2 Go Limited UpheldConsumer CreditDRN-2342604 The complaint Mr P has complained that Loans 2 Go Limited lent to him irresponsibly. What happened I issued a provisional decision about this complaint in October 2020 that I summarise below. Mr P was given two logbook loans by Loans2Go in November 2011 and December 2012. Loan ... (3 pages)View decision -
Decision Reference DRN4269912
21 Sep 2018 Express Finance (Bromley) Limited UpheldBanking and creditMr W is unhappy that Express Finance (Bromley) Limited trading as Payday Express gave him loans that were unaffordable.backgroundDuring 2013 Mr W borrowed seven loans from Payday Express as follows: Loan No DateAmountRepaid 1 08.05.13£46024.05.13 2 24.05.13£44025.06.13 3 26.... (4 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
