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 DRN8978805
17 Jan 2019 Active Securities Limited UpheldBanking and creditMrs A complains that Active Securities Limited (trading as 247 Moneybox) gave her loans that she couldn’t afford to repay.backgroundMrs A borrowed seven loans from 247 Moneybox between March and October 2013. Mrs A’s repaid the first six loans but wasn’t able to repay t... (3 pages)View decision -
Decision Reference DRN-4065094
26 Apr 2023 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-4065094 The complaint Mr A complains Mitsubishi HC Capital UK Plc trading as Novuna Personal Finance irresponsibly gave him two fixed sum loan agreements he couldn’t afford. What happened In October 2018, Mr A was given a cash loan of £25,000. He was required to pay 79 monthly repaymen... (3 pages)View decision -
Decision Reference DRN-3583459
14 Sep 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3583459 The complaint Mr S complains that Barclays Bank UK PLC failed to refund him transactions he didn’t recognise which impacted his credit score and they were unprofessional when he reported the situation to them. What happened Mr S approached Barclays about transactions that had b... (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 DRN0749580
10 Jun 2019 Casheuronet UK LLC UpheldBanking and creditMr O says CashEuroNet UK LLC trading as QuickQuid lent to him irresponsibly. He says he spent almost three years trapped in a borrowing cycle and the overwhelming amount of loans came from QuickQuid. He says QuickQuid shouldn’t have approved these loans. backgroundOur ... (5 pages)View decision -
Decision Reference DRN-4316263
5 Jan 2024 Savvy Loan Products Limited UpheldConsumer CreditDRN-4316263 The complaint Mr M complains Savvy Loan Products Limited trading as Tick Tock Loans (“Tick Tock”) gave him loans without carrying out sufficient affordability checks. What happened A summary of Mr M’s borrowing can be found in the table below. loan number loan amount agreement... (5 pages)View decision -
Decision Reference DRN8856997
16 Feb 2021 Creative Finance Corp Ltd UpheldBanking and creditMr C complains that Creative Finance Corp Ltd irresponsibly lent to him. Mr C has also said that he’s unhappy with the level of service Creative Finance provided, specifically surrounding his logbook and the attempted debit of his account. background From the information provided, Mr C too... (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 DRN4348576
11 Dec 2018 Casheuronet UK LLC UpheldBanking and creditMr B complains that the loans approved by CashEuroNet UK LLC (CEN), trading as QuickQuid, were unaffordable and showed that CEN was irresponsible in its lending decisions.backgroundI attach my first and second provisional decisions dated 12 September 2018 and 15 November... (10 pages)View decision -
Decision Reference DRN-3340908
28 Feb 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3340908 The complaint Mr S has complained that Lloyds Bank PLC (“Lloyds”) provided an overdraft to him that was unaffordable. What happened Mr S held a current account with Lloyds which had an overdraft attached to it. In May 2017, Lloyds approved an application from Mr S to increase t... (4 pages)View decision
