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 DRN-5526422
23 May 2025 Carmoola Limited Not upheldConsumer CreditDRN-5526422 Complaint Mr G complains that Carmoola Limited (trading as “Carmoola”) unfairly entered into an unaffordable hire-purchase agreement with him. Background In September 2023, Carmoola provided Mr G with finance for a used car. The purchase price of the car was £13,995.00. Mr ... (3 pages)View decision -
Decision Reference DRN-3293681
29 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3293681 The complaint Mr M complains that NewDay Ltd won’t reimburse money he lost when he says he fell victim to a binary options investment scam. What happened Mr M came across a binary options company called 72 Option online. They guaranteed profits and explained investing with them... (3 pages)View decision -
Decision Reference DRN-4109359
31 Jul 2023 FUND OURSELVES LIMITED Not upheldConsumer CreditDRN-4109359 The complaint Mr D complains that FUND OURSELVES LIMITED irresponsibly provided him with loans he couldn’t afford to repay, and that it continued to charge him interest while he was in a “breathing space”. What happened Mr D took out two loans with Fund Ourselves as follows Da... (4 pages)View decision -
Decision Reference DRN1607013
29 Oct 2018 PDL Finance Limited UpheldBanking and creditMr E complains that PDL Finance Limited (trading as Mr Lender) gave him loans that he couldn’t afford to repay.backgroundThe background to this complaint was set out in the provisional decision I issued in September 2018. An extract from this is attached and forms par... (4 pages)View decision -
Decision Reference DRN-3160382
23 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3160382 The complaint Mr P says AvantCredit of UK, LLC lent to him irresponsibly. What happened In March 2016 Mr P took out a 48-month instalment loan from AvantCredit for £3,800. The monthly repayment was £152.36 and the total repayable was £7,313.14. Mr P says he took out the loan to... (4 pages)View decision -
Decision Reference DRN4106282
19 Apr 2018 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr T complains that Curo Transatlantic Limited (trading as WageDay Advance) gave him loans that he couldn’t afford.backgroundMr T took out a total of 29 loans with Wage Day between September 2012 and October 2016. The amounts he borrowed ranged from £175 to £870.Mr T ... (3 pages)View decision -
Decision Reference DRN4195267
16 Oct 2018 DJS (UK) Limited Not upheldBanking and creditMr W complains that DJS (UK) Limited, trading as PiggyBank, was irresponsible to give him a loan at a time when his debts were mounting up due to a gambling addiction. He is also concerned that PiggyBank keeps contacting him about the repayment of the debt and he... (3 pages)View decision -
Decision Reference DRN-2497316
11 Jan 2022 UK Credit Limited Not upheldConsumer CreditDRN-2497316 The complaint Mr S complains UK Credit Limited didn’t complete reasonable and proportionate checks when approving him for two guarantor loans. What happened Mr S was approved for two guarantor loans with UK Credit: Date of loan Capital Amount Term Monthly repayments (approx.) T... (5 pages)View decision -
Decision Reference DRN7168601
26 Feb 2018 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr P complains about the loans he took out with Curo Transatlantic Limited trading as Wage Day Advance. Mr P says he repeatedly borrowed large amounts. This ought to have placed Wage Day on notice he was a poor candidate for credit and prompt it to carry out furth... (6 pages)View decision -
Decision Reference DRN-3277150
20 May 2022 MotoNovo Finance Limited Not upheldConsumer CreditDRN-3277150 The complaint Mr A complains that MotoNovo Finance Limited didn’t provide the service it should have when he asked about a partial settlement of his hire purchase agreement. What happened In January 2020, Mr A acquired a used car through a hire purchase agreement with MotoNovo.... (2 pages)View decision
