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 4764 results
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Decision Reference DRN-4328254
6 Dec 2023 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-4328254 The complaint Mr V is unhappy because although Mitsubishi HC Capital UK Plc trading as Novuna Personal Finance upheld his unaffordability complaint, the interest applied under his agreement hasn’t been removed and he isn’t sure of his outstanding balance. What happened Mr V too... (2 pages)View decision -
Decision Reference DRN-3597734
3 Aug 2022 Evergreen Finance London Limited UpheldConsumer CreditDRN-3597734 The complaint Miss K complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (MoneyBoat) didn’t carry out proportionate affordability checks before it granted her loans. Had it done so, MoneyBoat would’ve discovered that she couldn’t afford to repay them. Wh... (6 pages)View decision -
Decision Reference DRN-2410982
25 Mar 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2410982 The complaint Mr B complains about a personal loan provided to him by Loans 2 Go Limited, trading as Loans 2 Go, (“L2G”), which he says was unaffordable. What happened L2G agreed a loan for £250 for Mr B in July 2018. The loan was repayable by 18 monthly payments of £56.64. The... (6 pages)View decision -
Decision Reference DRN1998332
3 Apr 2019 Trusted Cash Limited UpheldBanking and creditMr V complains that Trusted Cash Limited, trading as Trusted Quid, (“TQ”), gave him threeloans that were unaffordable. The complaint has been brought to this service on Mr V’sbehalf by a firm of solicitors. But for ease I shall refer below to all actions being ta... (6 pages)View decision -
Decision Reference DRN4142665
7 Aug 2018 Evergreen Finance London Ltd UpheldBanking and creditMr O complains that Evergreen Finance London Limited (trading as MoneyBoat.co.uk) was irresponsible to lend to him as the repayments were unaffordable.backgroundMr O had five instalment loans from MoneyBoat between August 2016 and March 2017:LoanDateAmountTermDueInstalmentS... (2 pages)View decision -
Decision Reference DRN1201369
15 Nov 2019 National Westminster Bank Plc Not upheldBanking and creditMr B and Mr R, on behalf of their company (“Company W”) complain that National Westminster Bank Plc (NatWest) treated them unfairly by closing Company W’s business account. backgroundOn 11 March 2019, NatWest wrote to the directors of Company W. It said:“We have recently undertaken a revie... (2 pages)View decision -
Decision Reference DRN0658835
6 Dec 2017 Cashbridge Corporation Ltd UpheldBanking and creditMr E complains about instalment loans he’s taken out with Cashbridge Corporation Ltd (trading as Credio) which he says were unaffordable, so the loans shouldn’t have been given to him. backgroundThe background to this complaint was set out in my provisional decision da... (4 pages)View decision -
Decision Reference DRN6679238
29 Oct 2019 Loans 2 Go Limited UpheldBanking and creditMr J complains that Loans 2 Go Limited (“L2G”) irresponsibly gave him a loan he can’t afford to pay at a time when he was vulnerable. backgroundMr J was given a loan of £500 in December 2017. The loan was to be repaid in 18 monthly instalments of £113.28 and it had an APR of 990.1%. One of... (2 pages)View decision -
Decision Reference DRN9282975
15 Jan 2018 MYJAR Limited Not upheldBanking and creditMr O complains that MYJAR Limited gave him loans he couldn’t afford to repay.backgroundMr O took out the following instalment loans with MYJAR:date borrowed£ amount borrowedno. of repayments/ £ maximum repayments at outsetdate repaid11 November 20163753/185.7319 December 2016... (2 pages)View decision -
Decision Reference DRN9499034
16 Feb 2018 Gain Credit LLC Not upheldBanking and creditMiss B has complained that Gain Credit LLC, trading as Lending Stream (“Lending Stream”), provided several short term loans which were unaffordable for her.backgroundLending Stream says it agreed 42 loans for Miss B between October 2010 and December 2016. These loans ... (6 pages)View decision
