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-2753916
9 Jun 2021 The Car Finance Company (2007) Ltd UpheldConsumer CreditDRN-2753916 The complaint Mrs L believes The Car Finance Company (2007) Ltd (‘TCFC’) acted irresponsibly by agreeing a hire purchase agreement she’d applied for. What happened In March 2016, Mrs L was supplied with a used car through a hire purchase agreement with TCFC. The agreement was f... (4 pages)View decision -
Decision Reference DRN-2904625
8 Jun 2022 UK Credit Limited UpheldConsumer CreditDRN-2904625 The complaint Miss L complains that the loan she had from UK Credit Limited was unaffordable to her and that it should have carried out better checks. What happened Miss L took out a guarantor loan with UK Credit on 2 January 2018. She borrowed £6,000 and was due to repay £264.... (4 pages)View decision -
Decision Reference DRN4302819
15 Jan 2020 PDL Finance Limited UpheldBanking and creditMr M says PDL Finance Limited, trading as Mr Lender (“Mr Lender”) irresponsibly lent to him.backgroundThis complaint is about eight instalment loans Mr Lender provided to Mr M between October 2015 and May 2018. Mr M’s borrowing history is as follows: LoanDate TakenDate RepaidInstalmentsAmo... (4 pages)View decision -
Decision Reference DRN3868765
14 Feb 2019 CURO TRANSATLANTIC LIMITED Not upheldBanking and creditMr P complains about five short term loans that he took out with Curo TransatlanticLimited, trading as WageDay Advance, (“WDA”). He said that WDA shouldn’t have given himthe loans as they were unaffordable. The complaint is brought to this service by a claims man... (4 pages)View decision -
Decision Reference DRN0080704
22 Sep 2017 Capfin Limited UpheldBanking and creditMrs A complains that Capfin Limited (trading as Ecashwindow) gave her loans that she couldn’t afford to repay.backgroundThe background to this complaint was set out in the provisional decision I issued earlier this month. An extract from this is attached and forms part ... (4 pages)View decision -
Decision Reference DRN4698265
1 Mar 2019 Trusted Cash Limited Not upheldBanking and creditMr P has complained about two instalment loans Trusted Cash Limited (TCL) T/A Trusted Quid lent to him. He has said he was struggling financially at the time and had TCL carried out sufficient checks, it wouldn’t have lent to him. Mr P has also said that on one occa... (4 pages)View decision -
Decision Reference DRN3166390
16 Jan 2019 Gracombex Ltd UpheldBanking and creditMr S complains that Gracombex Ltd trading as The Money Platform (“TMP”) gave him loans that he couldn’t afford to repay.backgroundMr S was given five loans by TMP between July 2017 and January 2018. Mr S successfully repaid his first four loans before the agreed ... (3 pages)View decision -
Decision Reference DRN-3997586
10 Mar 2023 Novaloans Ltd Not upheldConsumer CreditDRN-3997586 The complaint Miss B complains Novaloans Ltd trading as cash4unow (Novaloans) gave her loans without carrying out sufficient affordability checks. What happened Miss B was advanced three loans between June 2021 and March 2022. A summary of her borrowing can be found below. loan... (4 pages)View decision -
Decision Reference DRN-3289801
23 Jun 2022 Morses Club PLC Not upheldConsumer CreditDRN-3289801 The complaint Mr O complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted him a loan. Had it done so, Mr O says Morses would’ve seen that he had a large amount of debt and was spending significant sums on gambling. What ha... (4 pages)View decision -
Decision Reference DRN-2315325
26 Nov 2020 NewDay Ltd UpheldBanking and PaymentsDRN-2315325 The complaint Mr T says that NewDay Ltd trading as Aqua (Aqua) lent to him irresponsibly when it increased his credit limits four times over a 14 month period. Mr T wants a refund of all interest paid and any late payment charges. What happened Aqua opened Mr T’s account in Dec... (5 pages)View decision
