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 5478 results
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Decision Reference DRN-4074097
23 Jun 2023 Valour Finance Limited Not upheldConsumer CreditDRN-4074097 The complaint Mrs M, through her representative, complains that Valour Finance Limited, trading as Savvy.co.uk (Valour) lent to her when she could not afford it. What happened Mrs M took one loan with Valour in November 2018 for £550. The interest payable was £549.92 and so the... (3 pages)View decision -
Decision Reference DRN1055479
7 Dec 2018 Uncle Buck Finance LLP UpheldBanking and creditMr B says Uncle Buck Finance LLP lent to him irresponsibly. He says it wasn’t fair for Uncle Buck to lend to him as he had many other payday loans at the same time.backgroundI sent Mr B and Uncle Buck my provisional decision on 19 November 2018. A copy of it is ... (6 pages)View decision -
Decision Reference DRN-3677618
1 Sep 2022 Evergreen Finance London Limited UpheldConsumer CreditDRN-3677618 The complaint Miss M complains that the loans she had from Evergreen Finance London Limited (trading as Moneyboat) were unaffordable to her. What happened Miss M had three loans from Moneyboat between April 2021 and June 2021 as follows: Loan Date Amount Term Monthly Repayment ... (3 pages)View decision -
Decision Reference DRN6399366
4 Jun 2019 Casheuronet UK LLC UpheldBanking and creditMr H complains that CashEuroNet UK LLC, trading as QuickQuid, lent to him in an irresponsible manner.backgroundMr H took out five loans with QuickQuid between July 2016 and November 2017. The last loan remains outstanding. A summary of the loans is as follows:date£ ... (3 pages)View decision -
Decision Reference DRN6325735
16 Aug 2017 Cash On Go Limited UpheldBanking and creditMiss M complains that Cash on Go Limited (trading as Peachy.co.uk) gave her unaffordable instalment loans. She wants a refund of the interest she paid, with interest. backgroundMiss M had 10 loans from Peachy between March 2015 and August 2016. She said the loans were... (2 pages)View decision -
Decision Reference DRN6147516
1 May 2018 Amigo Loans Ltd Not upheldBanking and creditMr W complains that Amigo Loans Ltd engaged in irresponsible lending to him.backgroundMr W says Amigo shouldn’t have made loans to him. He says if it had looked into his finances in more detail it would’ve seen he was in a lot of debt which spiralled out of contro... (2 pages)View decision -
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-5002718
9 Sep 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5002718 The complaint Mr B is being represented by a claims manager. He’s complaining about Vanquis Bank Limited because he says it lent irresponsibly by providing a credit card he couldn’t afford and subsequently increasing the credit limit. What happened Mr B has a credit card acc... (4 pages)View decision -
Decision Reference DRN9259986
5 Jul 2019 Quidie Limited UpheldBanking and creditMr W says Quidie Limited irresponsibly lent to him. He says Quidie did not carry out the checks it should’ve done and it acted improperly when it gave him the loans. He says this caused him significant financial hardship. backgroundThis complaint is about nine payday loans Quidie provided ... (4 pages)View decision -
Decision Reference DRN7690445
29 Aug 2017 Lending Stream Llc UpheldBanking and creditMr H has complained about instatement loans he’s taken with Lending Stream LLC (Lending Stream) between July 2011 and March 2013. Mr H says the loans weren’t affordable so shouldn’t have been given to him. backgroundMr H had a total of 14 instalment loans. And a summar... (4 pages)View decision