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-2482494
4 Mar 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2482494 Complaint Miss C has complained that Loans 2 Go Limited (“L2G”) provided her with unaffordable personal loans. Background L2G provided Miss C with loans for £250 in March 2019 and June 2019. These loans had an APR of 1,013.2% and an 18-month term. This all meant the total amou... (4 pages)View decision -
Decision Reference DRN5594882
2 Nov 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr B complains that CURO TRANSATLANTIC LIMITED (previously Wageday Advance Limited) lent him money he couldn’t afford to pay back. I’ll refer to “Wageday” for ease of reading throughout this decision.Mr B says if Wageday had carried our proportionate checks it would ha... (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 DRN9331148
21 Dec 2017 Instant Cash Loans Limited Not upheldBanking and creditMr R complains that Instant Cash Loans Limited (trading as Payday UK) gave him loans that he couldn’t afford to repay.backgroundThe background to this complaint was set out in my provisional decision dated November 2017. An extract from this is attached and forms par... (5 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-3470260
9 Aug 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3470260 The complaint Miss C complains that Santander UK Plc (Santander) didn’t do enough to make sure she wasn’t being scammed when she made payments intended to be investments. She also thinks Santander should have done more to recover her money. What happened The details of this com... (2 pages)View decision -
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 DRN0523381
4 Aug 2015 Santander UK Plc Not upheldBanking and creditMr E complains that Santander UK Plc blocked his debit card.backgroundMr E tried to use his card for two gambling transactions but the card was declined both times. He phoned Santander less than an hour later, and the block was lifted. But Mr E’s unhappy. He says Sa... (2 pages)View decision -
Decision Reference DRN3456934
12 Sep 2016 Casheuronet UK LLC Not upheldBanking and creditMiss S complains that Casheuronet UK LLC – trading as Quick Quid - lent money to her over a number of years without properly checking if she could afford to repay it. She wants Quick Quid to refund the interest and any other charges she’s paid on those loans.backg... (2 pages)View decision
