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
-
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 DRN-5623434
23 Sep 2025 Admiral Financial Services Limited Not upheldConsumer CreditDRN-5623434 The complaint Admiral Financial Services Limited provided Miss M with a £3,000 loan in 2023, and it had a 24-month term. The total amount repayable was £4,225.20 with monthly repayments of £176.05. Miss M says the loan was provided irresponsibly. What happened The details o... (2 pages)View decision -
Decision Reference DRN-1460730
4 Mar 2020 Gain Credit LLC Not upheldConsumer CreditDRN-1460730 The complaintMr B says Gain Credit LLC (trading as Lending Stream) lent to him irresponsibly. What happenedMr B had two six-month instalment loans with Lending Stream. The first, in April 2019, was for £300 and the second, in July 2019, was for £810. An adjudicator considered M... (2 pages)View decision -
Decision Reference DRN4871432
3 May 2018 Instant Cash Loans Limited Not upheldBanking and creditMr M complains that Instant Cash Loans Limited (trading as Payday Express) lent him money even though it should have realised the repayments were unaffordable to him.backgroundMr M had two loans from Payday Express in October 2009.Payday Express said the loans were a... (2 pages)View decision -
Decision Reference DRN1616417
5 Dec 2017 Provident Personal Credit Limited Not upheldBanking and creditMs P complains that Provident Personal Credit Limited, trading as Satsuma Loans, gave her a loan she couldn’t afford to repay.backgroundIn August 2016, Ms P took out a loan of £250 with Satsuma. The repayments were £20.48 a week for 21 weeks. I understand that Ms P di... (2 pages)View decision -
Decision Reference DRN-3830627
7 Jan 2023 Salad Finance Limited Not upheldConsumer CreditDRN-3830627 The complaint Miss P complains that Salad Finance Limited lent irresponsibly when it approved a loan. What happened Miss P applied for a loan with Salad Finance in August 2021. Salad Finance approved the application and gave Miss P a loan for £1000 over a term of 12 months with... (2 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 -
Decision Reference DRN-5257152
31 Jul 2025 Go Car Credit Limited Not upheldConsumer CreditDRN-5257152 The complaint Mr C complains that Go Car Credit Limited (‘Go Car Credit’) irresponsibly granted him a hire purchase agreement he couldn’t afford to repay. What happened In August 2022 Mr C acquired a used car financed by way of a hire purchase agreement from Go Car Credit. ... (3 pages)View decision -
Decision Reference DRN-4330789
3 Nov 2023 National Westminster Bank Plc Not upheldConsumer CreditDRN-4330789 The complaint Mrs D complains that National Westminster Bank Plc (‘NatWest’) irresponsibly gave her a loan that she couldn’t afford. What happened In December 2020, Mrs D applied for a loan with NatWest for the stated purpose of consolidating other debt. She was given a loan of... (3 pages)View decision
