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 5125 results
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Decision Reference DRN9618176
2 Jun 2017 Apfin Ltd UpheldBanking and creditMr C has complained about short-term loans granted to him by Apfin Ltd trading as cashasap.co.uk (“Apfin” or “the lender”).backgroundThe background to the complaint was set out in my provisional decision dated 3 May 2017, a copy of which is attached and forms part of... (5 pages)View decision -
Decision Reference DRN-4008274
24 May 2023 Shelby Finance Ltd Not upheldConsumer CreditDRN-4008274 The complaint Mr S complains that Shelby Finance Ltd trading as Dot Dot Loans (Shelby) lent to him irresponsibly. What happened Mr S took three loans. Here is a brief table. Loan Date Taken Date Repaid Term - months Loan amount Monthly repayment Total + int 1 23/02/21 26/02/21 ... (5 pages)View decision -
Decision Reference DRN-3118142
20 Oct 2021 TFS Loans Limited UpheldConsumer CreditDRN-3118142 The complaint Miss K complains that TFS Loans Limited trading as TFS Loans irresponsibly provided her with an unaffordable loan. What happened TFS provided Miss K with a loan as follows: Miss K mainly said that TFS didn’t check properly before providing the loan. She soon ran i... (6 pages)View decision -
Decision Reference DRN7014570
16 Dec 2019 Lloyds Bank PLC UpheldBanking and creditMr L complains about the service he received from Lloyds Bank PLC (Lloyds). He says Lloyds did not allow him, as his mother’s attorney, access to her account, because he is a non-UK resident, and secondly that Lloyds had no procedure to detect unusual activity on her accounts, which led to... (3 pages)View decision -
Decision Reference DRN3793623
16 Oct 2018 PDL Finance Limited UpheldBanking and creditMr R complains that PDL Finance Limited, trading as Mr Lender, gave him loans which trapped him in a spiral of debt and he couldn’t afford to pay them back.backgroundMr R borrowed five times from Mr Lender, as follows: loan numberdate takenamount borrowedrepayment term... (3 pages)View decision -
Decision Reference DRN8883177
18 Sep 2018 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr H complains that CURO TRANSATLANTIC LIMITED, trading as WageDay Advance, gave him loans he couldn’t afford to repay. backgroundMr H took out the following loans with WageDay Advance:date£ amount borroweddate repaid12 November 20118015 November 2011228 November 201123015 D... (3 pages)View decision -
Decision Reference DRN3223977
27 Sep 2018 Uncle Buck Finance LLP UpheldBanking and creditMr F complains that Uncle Buck Finance LLP (Uncle Buck) gave him loans that he couldn’t afford to repay.backgroundMr F was given five loans by Uncle Buck between May and December 2015. The first two loans were repayable the following month. The remaining three loans ... (3 pages)View decision -
Decision Reference DRN7379645
17 Nov 2016 Casheuronet UK LLC UpheldBanking and creditMr C complains that CashEuroNet UK LLC (trading as QuickQuid) gave him loans that he couldn’t afford to repay.backgroundMr C took his first loan from QuickQuid in July 2011. The loan was for £400. It appears that he rolled that loan over three times before repayi... (3 pages)View decision -
Decision Reference DRN-3022423
22 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3022423 The complaint Mrs S complains about NewDay Ltd trading as Aqua’s (“Aqua”) decision to increase her credit limit. What happened Mrs S was accepted for a credit card by Aqua in June 2019 and given an initial credit limit of £450. Mrs S says she used this account for gambling and... (3 pages)View decision -
Decision Reference DRN4789036
1 Aug 2019 Moneybarn No. 1 Limited Not upheldBanking and creditMr B complains that Moneybarn No.1 Limited (Moneybarn) acted irresponsibly when it lent him money to buy a car, and that now the loan is in default, he’s being asked to repay more than he owes.backgroundMr B entered into a conditional sale agreement with Moneybarn in 2016. He was to pay ab... (3 pages)View decision
