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 DRN1118240
14 Mar 2017 Barclays Bank Plc UpheldBanking and creditMr A complains that Barclays Bank Plc gave him a loan irresponsibly as it is unaffordable and he now has financial difficulties. .backgroundMr A applied for a loan from Barclays in November 2013. He says it was un affordable and relevant checks were not carried out. He... (2 pages)View decision -
Decision Reference DRN3406895
19 Mar 2019 Elevate Credit International Limited UpheldBanking and creditMr O complains about the short term loans he took out with Elevate Credit International Limited trading as Sunny. Mr O says that Sunny lent to him irresponsibly. He says that he had a problem with gambling and he was also in a debt management plan. He thinks that... (4 pages)View decision -
Decision Reference DRN-3153024
11 Nov 2021 Madison CF UK Limited UpheldConsumer CreditDRN-3153024 The complaint Mr M says Madison CF UK Limited (trading as 118 118 Money) lent to him irresponsibly. What happened Mr M took out four instalment loans from 118 118 Money. A summary of his borrowing follows. Mr M says 118 118 Money didn’t complete proper affordability checks or a... (4 pages)View decision -
Decision Reference DRN-4666871
11 Mar 2024 Loans 2 Go Limited UpheldConsumer CreditDRN-4666871 Complaint Mr B has complained that Loans 2 Go Limited (“L2G”) provided him with an unaffordable loan. Background L2G provided Mr B with a loan of £300 in April 2022. This loan had an APR of 770% and an 18-month term. This all meant the total amount repayable of £1,110.06, which... (4 pages)View decision -
Decision Reference DRN3881594
10 Apr 2018 Gain Credit LLC UpheldBanking and creditMiss D complains that Gain Credit LLC (trading as Lending Stream) gave her loans that she couldn’t afford.backgroundMiss D took a total of 28 loans with Lending Stream between Apr 2015 and Aug 2017.LoanDateLoan amount Total amount repaidDate repaid in full18 Apr 2015... (4 pages)View decision -
Decision Reference DRN4839269
1 Aug 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr K complains that CURO Transatlantic Limited trading as Wage Day Advance (WDA) gave him unaffordable payday loans and an instalment loan.backgroundA summary of Mr K’s borrowing history is as follows;loan numberloan amountreceived date actual repayment date 1 £120.00... (4 pages)View decision -
Decision Reference DRN9725286
25 Jan 2018 Lending Stream Llc UpheldBanking and creditMr S complains Lending Stream LLC lent to him irresponsibly.backgroundMr S took out seven loans with Lending Stream between November 2012 and January 2017. I’ve included some of the information we’ve received about these loans in the table below:LoanDate Date paidAdvance Hi... (4 pages)View decision -
Decision Reference DRN1743889
13 May 2019 Lloyds Bank PLC Not upheldBanking and creditMr M complains about charges Lloyds Bank PLC (“Lloyds”) applied to his current account which contributed to his financial difficulties.backgroundI set out the background to this complaint and my provisional findings by way of a provisional decision – a copy of which is ... (4 pages)View decision -
Decision Reference DRN-4687579
16 Mar 2024 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-4687579 The complaint Miss F complains that Moneybarn No.1 Limited trading as Moneybarn acted unfairly in agreeing to a loan which she said was unaffordable for her. Miss F is represented by a third party but for ease of reading I will only refer to Miss F in my decision. What happened... (4 pages)View decision -
Decision Reference DRN-4258659
14 Dec 2023 Valour Finance Limited Not upheldConsumer CreditDRN-4258659 The complaint Mr B complains Valour Finance Limited trading as Savvy.co.uk (Valour) provided him with loans without carrying out appropriate affordability checks. What happened Mr B received two loans from Valour; 1. £400 loan on 29 June 2021 payable in 6 monthly instalments. 5... (4 pages)View decision
