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 DRN1607013
29 Oct 2018 PDL Finance Limited UpheldBanking and creditMr E complains that PDL Finance Limited (trading as Mr Lender) gave him loans that he couldn’t afford to repay.backgroundThe background to this complaint was set out in the provisional decision I issued in September 2018. An extract from this is attached and forms par... (4 pages)View decision -
Decision Reference DRN-3147069
5 Nov 2021 Madison CF UK Limited UpheldConsumer CreditDRN-3147069 The complaint Mr B complains that Madison CF UK Limited (trading as 118 118 Money) granted him loans that were unaffordable. What happened In March 2019, Mr B took out a loan for £1,000 with Madison. The loan was to be repaid over 18 months with repayments set at £106.85 a mont... (4 pages)View decision -
Decision Reference DRN2291389
10 Oct 2019 Elevate Credit International Limited UpheldBanking and creditMr M says Elevate Credit International Limited (trading as Sunny) irresponsibly lent to him.backgroundThis complaint is about 11 instalment loans Sunny provided to Mr M between 21 August 2017 and 19 January 2018. Mr M borrowed amounts ranging between £100 and £500. The loans were to be rep... (3 pages)View decision -
Decision Reference DRN-1809532
8 Jul 2020 Gain Credit LLC UpheldConsumer CreditDRN-1809532 The complaintMr N complains that Gain Credit LLC (trading as Lending Stream) lent to him in an irresponsible manner. What happenedMr N was given six loans by Lending Stream between April and June 2018. He says it didn’t do adequate affordability checks before giving him the lo... (3 pages)View decision -
Decision Reference DRN8188103
29 Jan 2020 Apfin Ltd UpheldBanking and creditMr A complains that Apfin Ltd (trading as cashasap.co.uk) was irresponsible in its lending to him.backgroundBased on the information we have received, Mr A took out 12 loans with cashasap between May 2017 and October 2018.LoanDateRepaidAmount120/05/201709/06/2017£300.00212/07/201 7 14/07/2... (4 pages)View decision -
Decision Reference DRN4195267
16 Oct 2018 DJS (UK) Limited Not upheldBanking and creditMr W complains that DJS (UK) Limited, trading as PiggyBank, was irresponsible to give him a loan at a time when his debts were mounting up due to a gambling addiction. He is also concerned that PiggyBank keeps contacting him about the repayment of the debt and he... (3 pages)View decision -
Decision Reference DRN-4401482
25 Oct 2023 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4401482 The complaint Miss L complains that Moneybarn No 1 Limited trading as Moneybarn agreed to lending that she couldn’t afford. Miss L is represented by a third party in bringing her complaint but for ease of reading I will only refer to Miss L in my decision. What happened In 2020... (4 pages)View decision -
Decision Reference DRN-4126885
20 Jul 2023 Barclays Bank UK PLC Not upheldConsumer CreditDRN-4126885 The complaint Mr P’s complaint is that Barclays Bank UK PLC irresponsibly provided him with two loans. What happened Barclays approved Mr P with the following two loans: Loan Date of loan Capital amount Term (months) Monthly repayments Total repayable value Loan 1 11 March 2022... (3 pages)View decision -
Decision Reference DRN-3293681
29 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3293681 The complaint Mr M complains that NewDay Ltd won’t reimburse money he lost when he says he fell victim to a binary options investment scam. What happened Mr M came across a binary options company called 72 Option online. They guaranteed profits and explained investing with them... (3 pages)View decision -
Decision Reference DRN-4109359
31 Jul 2023 FUND OURSELVES LIMITED Not upheldConsumer CreditDRN-4109359 The complaint Mr D complains that FUND OURSELVES LIMITED irresponsibly provided him with loans he couldn’t afford to repay, and that it continued to charge him interest while he was in a “breathing space”. What happened Mr D took out two loans with Fund Ourselves as follows Da... (4 pages)View decision
