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 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 -
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 DRN4106282
19 Apr 2018 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr T complains that Curo Transatlantic Limited (trading as WageDay Advance) gave him loans that he couldn’t afford.backgroundMr T took out a total of 29 loans with Wage Day between September 2012 and October 2016. The amounts he borrowed ranged from £175 to £870.Mr T ... (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 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-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 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 DRN4717199
11 Oct 2019 Uncle Buck Finance LLP UpheldBanking and creditMr H says Uncle Buck Finance LLP lent to him irresponsibly.backgroundI sent Mr H and Uncle Buck my provisional findings on this complaint on 24 September 2019. A copy is attached and it forms part of this final decision. I explained why I intended to uphold Mr H’s complaint about the secon... (4 pages)View decision -
Decision Reference DRN1265173
17 Nov 2016 Casheuronet UK LLC UpheldBanking and creditMr C complained that CashEuroNet UK LLC (trading as QuickQuid) gave him loans that he couldn’t afford to repay.backgroundThe background to this complaint was set out in the provisional decision I issued last month. An extract from this is attached and forms part of this... (4 pages)View decision -
Decision Reference DRN-5526422
23 May 2025 Carmoola Limited Not upheldConsumer CreditDRN-5526422 Complaint Mr G complains that Carmoola Limited (trading as “Carmoola”) unfairly entered into an unaffordable hire-purchase agreement with him. Background In September 2023, Carmoola provided Mr G with finance for a used car. The purchase price of the car was £13,995.00. Mr ... (3 pages)View decision
