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-2232756
12 Jan 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2232756 The complaint Miss K complains that the loan she had from Loans 2 Go Limited was unaffordable to her. What happened Miss K took out a fixed sum loan with Loans 2 Go on 23 July 2019. She borrowed £1,200 and was due to repay £274.27 monthly for 18 months, finishing on 23 January... (4 pages)View decision -
Decision Reference DRN-1660370
23 Mar 2020 Gain Credit LLC UpheldConsumer CreditDRN-1660370ComplaintMr H has complained that Gain Credit LLC (trading as “Drafty”) irresponsibly provided him with unaffordable open-ended credit facilities. BackgroundDrafty provided Mr H with a total of seven open-ended credit facilities. These were running account facilities where a con... (4 pages)View decision -
Decision Reference DRN6812012
20 Jun 2018 Casheuronet UK LLC Not upheldBanking and creditMr G says that CashEuroNet UK LLC, trading as Quick Quid, lent to him irresponsibly.backgroundI issued my provisional decision on this case on 5 June 2018. A copy of it is attached and forms part of this final decision. The full background to this complaint is set ou... (4 pages)View decision -
Decision Reference DRN-3408807
5 Apr 2022 Evergreen Finance London Limited UpheldConsumer CreditDRN-3408807 The complaint Mr T complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk acted irresponsibly when lending to him. What happened MoneyBoat provided Mr T with loans as follows: Loan Date taken Date paid Monthly Instalments Loan amount Highest repayment 1 21/0... (4 pages)View decision -
Decision Reference DRN-3669632
26 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3669632 The complaint Mrs H complains that NewDay Ltd provided her with two credit cards and increased the limit on both without adequately checking that she could afford any repayments. What happened Mrs H applied for and was provided with two credit cards by NewDay. The cards and dat... (5 pages)View decision -
Decision Reference DRN-2877587
21 Jul 2021 Everyday Lending Limited UpheldConsumer CreditDRN-2877587 The complaint Miss H believes Everyday Lending Limited, trading as Everyday Loans, acted irresponsibly by agreeing four loans she’d applied for. What happened In February 2018, Miss H took out a £3,000 loan (Loan 1) with Everyday, to be repaid over 24 months with repayments of ... (4 pages)View decision -
Decision Reference DRN-1556478
7 May 2020 Elevate Credit International Limited UpheldConsumer CreditDRN-1556478 The complaintMr C says Elevate Credit International Limited, trading as Sunny (“Sunny”), irresponsibly lent to him. Mr C has said he got into a cycle of debt leading to repeat borrowing which worsened his already poor financial situation. What happenedThis complaint is about 23... (5 pages)View decision -
Decision Reference DRN-2971947
23 Mar 2022 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2971947 The complaint Mr B complains that Vanquis Bank Limited (“Vanquis”) registered a fraud prevention marker against him without due cause. What happened Mr B held a credit card account with Vanquis from December 2019 to March 2020. During this time, Mr B utilised the credit balance... (4 pages)View decision -
Decision Reference DRN2503129
22 Jun 2020 Loans 2 Go Limited UpheldBanking and creditMr H says it was irresponsible for Loans 2 Go Limited (Loans 2 Go) to lend him money in 2018.backgroundIn March 2018, Loans 2 Go Limited lent Mr H £300. Mr H agreed to repay this, with interest, over 18 months. Interest was charged at a simple fixed interest rate of 205.2% per year, applie... (5 pages)View decision -
Decision Reference DRN-4107236
5 May 2023 Santander UK Plc Not upheldBanking and PaymentsDRN-4107236 The complaint Mr S complains that Santander UK Plc failed to refund several transactions from his account that he didn’t authorise resulting in a debt that has impacted his credit rating. What happened Mr S had a gambling account with a merchant I’ll refer to as V and had made ... (4 pages)View decision
