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 4777 results
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Decision Reference DRN9621945
8 Oct 2020 Madison CF UK Limited Not upheldBanking and creditMr C complains that Madison CF UK Limited trading as 118118 Money (“MCF”) lent to him in an irresponsible manner. background Mr C was given four loans by MCF between December 2014 and March 2017. The first loan was due to be repaid in 12 monthly instalments. Around three months into that t... (3 pages)View decision -
Decision Reference DRN-2063149
28 Aug 2020 Valour Finance Limited UpheldConsumer CreditDRN-2063149The complaintMr P complains that Valour Finance Limited trading as Savvy.co.uk acted irresponsibly when lending to him. What happenedIn January 2019, Savvy loaned £1,250 to Mr P and he signed an agreement to repay this loan in fifteen monthly instalments. In the event, Mr P wasn... (4 pages)View decision -
Decision Reference DRN-1929512
16 Jul 2020 Zippa Limited UpheldConsumer CreditDRN-1929512 The complaintMr J says Zippa Limited lent to him irresponsibly. He says that he needed to borrow again shortly after lending and he tried to borrow increasing amounts. He thinks Zippa didn’t make adequate checks before lending. What happenedThis complaint is about six instalme... (4 pages)View decision -
Decision Reference DRN0379178
22 Jan 2021 Madison CF UK Limited Not upheldBanking and creditMr B complains that Madison CF UK Limited trading as 118118 Money (“MCF”) lent to him in an irresponsible manner. background Mr B was given three loans by MCF. The first two loans were taken in 2016, with the final loan being agreed in 2018. There was a significant gap between the repaymen... (3 pages)View decision -
Decision Reference DRN-2963152
30 Sep 2021 TFS Loans Limited UpheldConsumer CreditDRN-2963152 The complaint Ms F complains that the loan she had from TFS Loans Limited was unaffordable to her. What happened Ms F took out a guarantor loan with TFS Loans on 11 May 2016. She borrowed £7,500 and was due to repay £304.63 monthly for 48 months. Ms F says that TFS Loans didn’... (4 pages)View decision -
Decision Reference DRN0400016
29 Sep 2017 Active Securities Limited UpheldBanking and creditMrs M complains that Active Securities Limited (trading as 247 Moneybox) gave her loans that she couldn’t afford to repay.backgroundMrs M was given 12 loans by 247 Moneybox between January 2016 and January 2017. She has been unable to repay her final loan and a bala... (4 pages)View decision -
Decision Reference DRN-3398423
28 Mar 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3398423 The complaint Mrs B complains that Bank of Scotland plc (trading as Halifax) won’t reimburse money she lost when she says she fell victim to a binary options investment scam. What happened Mrs B was cold called by a representative of 365 binary options. The caller told her tha... (3 pages)View decision -
Decision Reference DRN-4428188
13 Feb 2024 Bank of Scotland Plc UpheldBanking and PaymentsDRN-4428188 The complaint Mr C has complained that Bank of Scotland plc has acted unfairly by continuing to apply charges to his overdraft when he was in financial difficulty. What happened Mr C has an account with Bank of Scotland and says that he has been in his overdraft constantly for ... (3 pages)View decision -
Decision Reference DRN1414934
21 Sep 2017 MEM Consumer Finance Limited UpheldBanking and creditMs I complains about payday loans she took out with MEM Consumer Finance Limited (trading as Payday UK) which she says shouldn’t have been given because the loans weren’t affordable. backgroundA summary of Ms I’s borrowing can be found below; loan numberloan amount ... (4 pages)View decision -
Decision Reference DRN2466441
13 Nov 2017 Casheuronet UK LLC UpheldBanking and creditMr M has complained about payday loans he took out with CashEuroNet UK LLC trading as “Quick Quid”. Mr M says that the loans were unaffordable, which led to him borrowing further amounts to repay his previous loans.backgroundI issued a provisional decision on this c... (6 pages)View decision
