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 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 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 -
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 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 DRN3018625
13 Mar 2018 Gain Credit LLC UpheldBanking and creditMr B complains that Gain Credit LLC (trading as Lending Stream) lent him money he couldn’t afford to repay.backgroundMr B took out seven instalment loans between October 2015 and August 2017. He says Lending Stream shouldn’t have agreed to lend as he was carrying ... (4 pages)View decision -
Decision Reference DRN-2749624
14 Apr 2021 Progressive Money Limited UpheldConsumer CreditDRN-2749624 The complaint Miss G says Progressive Money Limited (PML) lent irresponsibly to her. What happened Miss G borrowed £6,000 from PML on 31 March 2016. She repaid the loan in April 2018. The monthly repayment was £327.71 and the total repayable was £11,797.60. Miss G says the loan... (4 pages)View decision -
Decision Reference DRN-2025700
26 Jul 2020 Stagemount Limited UpheldConsumer CreditDRN-2025700 The complaintMr B complains that Stagemount Limited trading as ‘Quid Market’ acted irresponsibly when lending to him. What happenedIn October and November 2019 Quid Market provided Mr B with loans, each due to be repaid by instalments over a number of months. In the event, Mr ... (4 pages)View decision -
Decision Reference DRN-5155438
5 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5155438 The complaint Mr H complains that Vanquis Bank Limited was irresponsible in its lending to him. He wants all interest, fees and charges refunded plus statutory interest and any adverse information removed from his credit file. Mr H is represented by a third party but for eas... (3 pages)View decision -
Decision Reference DRN3504806
27 Oct 2017 Amigo Loans Ltd Not upheldBanking and creditMiss P complains that Amigo Loans Ltd mis-sold her eight loans she could not afford, and then refused to agree a repayment plan with her once she told it she could not afford to make the contractual repayments.backgroundMiss P took out eight loans with Amigo Loan... (3 pages)View decision