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-4713684
28 Mar 2024 Valleys Finance Limited UpheldConsumer CreditDRN-4713684 The complaint Mr H complains that Valleys Finance Limited (“Valleys”) gave him loans which he couldn’t afford to repay. Mr H says he had to take other loans and use credit cards in order to make ends meet. What happened A summary of Mr H’s borrowing can be found in the table be... (7 pages)View decision -
Decision Reference DRN8537628
12 Dec 2018 Casheuronet UK LLC UpheldBanking and creditMr S complains CashEuroNet UK LLC (trading as QuickQuid) lent to him irresponsibly.backgroundMr S took eight loans with QuickQuid between October 2016 and December 2017. I’ve set out some of the information we’ve received about these loans in the table below:Loan DateDa... (4 pages)View decision -
Decision Reference DRN-5274021
13 Feb 2025 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-5274021 The complaint This complaint is brought on behalf of the estate of Mr B. Mrs B is acting as the deceased’s representative for the purposes of this complaint. She complains that National Westminster Bank Plc (‘NatWest’) irresponsibly granted Mr B credit card accounts that he ... (4 pages)View decision -
Decision Reference DRN-1845505
21 Jan 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-1845505 The complaint Miss E complains that Vanquis Bank Limited was irresponsible in offering her a loan of £2000. She’d now like the details of this loan removed from her credit file and all interest added to the loan to be refunded. In addition, Miss E is unhappy about a late paymen... (4 pages)View decision -
Decision Reference DRN-5274025
13 Feb 2025 National Westminster Bank Plc UpheldBanking and PaymentsDRN-5274025 The complaint This complaint is brought on behalf of the estate of Mr B. Mrs B is acting as the deceased’s representative for the purposes of this complaint. She complains that National Westminster Bank Plc (‘NatWest’) irresponsibly increased the limits on two overdrafts. Sh... (4 pages)View decision -
Decision Reference DRN-1965493
28 Apr 2021 Advancis Limited UpheldConsumer CreditDRN-1965493 The complaint Mr P complains that Advancis Limited trading as Buddy Loans lent to him irresponsibly. What happened Mr P was given a guarantor loan of £1,500 by Buddy Loans in September 2018 to be paid in 12 instalments of around £155 per month. The total amount to be repaid ove... (4 pages)View decision -
Decision Reference DRN7710464
28 Nov 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr W complains that Express Finance (Bromley) Limited (trading as Payday Express) was irresponsible to lend him money as it should have seen the loans were unaffordable to him.backgroundMr W had three loans, and two top-ups, from Payday Express between October 2011 ... (2 pages)View decision -
Decision Reference DRN5060935
15 Apr 2020 Amigo Loans Ltd UpheldBanking and creditMiss A complains that Amigo Loans Ltd (“Amigo”) did not carry out proper checks before providing guarantor loans that she couldn’t afford and failed to provide an appropriate response when she experienced financial problems. background Miss A got three loans from Amigo in 2017. She borrow... (6 pages)View decision -
Decision Reference DRN7255435
16 Feb 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr R complains that Express Finance (Bromley) Limited trading as Payday Express (“Payday Express”) gave him loans he couldn’t afford to repay. He is particularly unhappy about interest that has been added when he was in a plan with a debt management company. He asks tha... (6 pages)View decision -
Decision Reference DRN9709475
31 Jan 2020 Evergreen Finance London Ltd UpheldBanking and creditMr F says Evergreen Finance London Limited, trading as MoneyBoat.co.uk (“MoneyBoat”), irresponsibly lent to him.backgroundThis complaint is about six short-term loans MoneyBoat provided to Mr F between March 2016 and November 2017. Mr F’s borrowing history is as follows (I have rounded the... (3 pages)View decision