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-1953560
29 Jun 2020 Gain Credit LLC Not upheldConsumer CreditThe complaint Mr M says Gain Credit LLC (trading as Lending Stream) irresponsibly lent to him. What happened This complaint is about two 6-month instalment loans Lending Stream provided to Mr M in April 2016 and September 2016. Details of these loans are set out below. LoanTaken outRepaidA... (3 pages)View decision -
Decision Reference DRN3284303
28 Sep 2017 SRC Transatlantic Limited UpheldBanking and creditMr K complains about loans taken with SRC Transatlantic Limited (trading as Speedy Cash) which he says shouldn’t have been given to him because the loans weren’t affordable. backgroundA summary of Mr K’s borrowing is as follows; loan numberloan amountreceived date act... (4 pages)View decision -
Decision Reference DRN-4873763
26 Jun 2024 Madison CF UK Limited Not upheldConsumer CreditDRN-4873763 The complaint Mr H is complaining that Madison CF UK Limited trading as 118 118 Money (118) lent to him irresponsibly by providing him with two personal loans. Mr H’s complaint has been brought to us by a representative but for ease I’ve written as if we’ve dealt directly with ... (4 pages)View decision -
Decision Reference DRN-3197956
4 Jan 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3197956 The complaint Mr L complains that NewDay Ltd was irresponsible in its lending to him. He wants the interest and charges on his credit cards refunded and the accounts removed from his credit file. What happened NewDay provided Mr L with two credit cards. He says that at the time... (4 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-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 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 DRN3590889
26 Jul 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr A complains that CURO TRANSATLANTIC LIMITED (trading as Wage Day Advance) gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges and removes information about the loans from his credit file.backgroundMr A took out 15 loans between ... (3 pages)View decision