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 DRN8365425
21 Sep 2017 Apfin Ltd Not upheldBanking and creditMr G complains that Apfin Ltd (trading as cashasap.co.uk) gave him a loan that he couldn’t afford to repay.backgroundMr G was given one loan by Apfin in August 2016 – he borrowed £250. Mr G hasn’t been able to repay that loan, and an outstanding balance remains. In it... (2 pages)View decision -
Decision Reference DRN5276149
22 Apr 2021 Avantcredit Of Uk, Llc UpheldBanking and creditMr L complained that AvantCredit of UK, Llc (trading as Avantcredit) acted irresponsibly when it agreed to lend to him. background Mr L took out a two loans with Avantcredit. This table shows loan details: Loan Date Taken Date Repaid Number of instalments Amount Monthly repayment* (approxi... (7 pages)View decision -
Decision Reference DRN6576541
29 Jun 2018 Casheuronet UK LLC UpheldBanking and creditMr H complains about the loans he took out with Casheuronet UK LLC trading as QuickQuid. He says that he had difficulty meeting the repayments to his loans due to his poor financial situation. And he says the loans made his situation worse. He feels that if Casheu... (6 pages)View decision -
Decision Reference DRN-2299667
8 Jan 2021 Creative Finance Corp Ltd UpheldConsumer CreditDRN-2299667 The complaint Mrs S complains that Creative Finance Corp Ltd trading as Motorkitty (“Creative”) lent to her in an irresponsible manner. What happened Mrs S was given one loan by Creative. She borrowed £1,000 in December 2018 and agreed to repay the loan in 36 monthly instalment... (4 pages)View decision -
Decision Reference DRN-3204023
24 Feb 2022 Carcashpoint Limited UpheldConsumer CreditDRN-3204023 Complaint Ms B has complained that CarCashPoint Limited (“CCP”) provided her with an unaffordable logbook loan. She’s said that she’d had bad credit all her life and couldn’t afford the payments. Background CCP provided Ms B with a logbook loan for £1,860.00 in February 2019. T... (4 pages)View decision -
Decision Reference DRN-4908600
22 Jul 2024 MBNA Limited Not upheldBanking and PaymentsDRN-4908600 Complaint Mr L has complained about a credit card and subsequent credit limit increases that MBNA Limited (“MBNA”) provided to him. He says his financial situation was not considered adequately and this resulted in him being issued with a credit card and a limit increase wh... (4 pages)View decision -
Decision Reference DRN-2667313
16 Jul 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2667313 The complaint Mr L complains that Loans 2 Go Limited lent to him in an irresponsible manner. What happened Mr L was given four loans by Loans 2 Go between May 2018 and July 2019. All of his loans have been fully repaid. A summary of his borrowing from Loans 2 Go is as follows; ... (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 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 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
