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 DRN-2560303
8 Feb 2021 TFS Loans Limited UpheldConsumer CreditDRN-2560303 The complaint Mr W complains that TFS Loans Limited lent to him in an irresponsible manner. What happened Mr W was given a single loan by TFS. He borrowed £6,500 in February 2016 and agreed to repay the loan over 54 monthly instalments. Mr W’s loan was guaranteed by a family me... (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-5255843
14 Mar 2025 East Lancashire Moneyline (IPS) Limited UpheldConsumer CreditDRN-5255843 The complaint Mr G complains that East Lancashire Moneyline (IPS) Limited trading as Moneyline, lent to him irresponsibly - he could not afford to repay the loans as he already had a lot of debt. What happened Mr G took five loans between August 2022 and July 2024. Here is ... (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-3160382
23 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3160382 The complaint Mr P says AvantCredit of UK, LLC lent to him irresponsibly. What happened In March 2016 Mr P took out a 48-month instalment loan from AvantCredit for £3,800. The monthly repayment was £152.36 and the total repayable was £7,313.14. Mr P says he took out the loan to... (4 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 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
