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 DRN8769268
1 Aug 2019 Elevate Credit International Limited UpheldBanking and creditComplaintMs S says Elevate Credit International Limited (trading as Sunny) lent to her irresponsibly.BackgroundThis complaint is about 15 payday loans Sunny provided to Ms S between November 2016 and November 2017. I’ve set out some of the information we’ve received about these loans in th... (4 pages)View decision -
Decision Reference DRN-1835400
18 May 2020 Lloyds Bank PLC UpheldBanking and PaymentsDRN-1835400ComplaintMr D has complained about the overdraft on his Lloyds Bank PLC (“Lloyds”) bank account. He’s said that he had a gambling problem, between 2013 and 2018, which ought to have been apparent from his statements. And in these circumstances, it was unfair to lend to him, let ... (14 pages)View decision -
Decision Reference DRN-4779460
3 May 2024 Madison CF UK Limited UpheldConsumer CreditDRN-4779460 The complaint Mr E is complaining about Madison CF UK Limited trading as 118 118 Money because he says it lent irresponsibly by providing him with a loan he couldn’t afford. What happened In July 2022, 118 118 Money approved Mr E’s application for a loan of £2,000. The interest... (4 pages)View decision -
Decision Reference DRN1554343
8 Jul 2019 Casheuronet UK LLC UpheldBanking and creditMr R complains that CashEuroNet UK LLC (trading as QuickQuid) was irresponsible to lend to him.backgroundMr R had six loans from QuickQuid between March 2014 and September 2018 as follows:Loan Date AmountTerm Due Repayment* Repaid 121 Mar 2014£40090d19 Jun 2014£518On time229 Jun 2014£60010... (4 pages)View decision -
Decision Reference DRN3881594
10 Apr 2018 Gain Credit LLC UpheldBanking and creditMiss D complains that Gain Credit LLC (trading as Lending Stream) gave her loans that she couldn’t afford.backgroundMiss D took a total of 28 loans with Lending Stream between Apr 2015 and Aug 2017.LoanDateLoan amount Total amount repaidDate repaid in full18 Apr 2015... (4 pages)View decision -
Decision Reference DRN-4674228
19 Mar 2024 Loans 2 Go Limited UpheldConsumer CreditDRN-4674228 Complaint Mrs S has complained that Loans 2 Go Limited (“L2G”) provided her with an unaffordable loan. Background L2G provided Mrs S with a loan for £250 in March 2023. This loan had an APR of 770% and an 18-month term. This all meant the total amount repayable of £675.02, whic... (4 pages)View decision -
Decision Reference DRN1551924
17 Jan 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr Y complains that Express Finance (Bromley) Limited (trading as Payday Express) shouldn’t have provided him with loans which he says were unaffordable.backgroundMr Y complained to Payday Express about the loans he’d been provided with. It issued a final response to M... (4 pages)View decision -
Decision Reference DRN5585851
21 Jul 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr P complains about payday loans he had with Express Finance (Bromley) Limited (trading as Payday Express) which he says shouldn’t have been given to him because he couldn’t afford the repayments. backgroundIn my provisional decision I set out why I was minded to... (4 pages)View decision -
Decision Reference DRN5594882
2 Nov 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr B complains that CURO TRANSATLANTIC LIMITED (previously Wageday Advance Limited) lent him money he couldn’t afford to pay back. I’ll refer to “Wageday” for ease of reading throughout this decision.Mr B says if Wageday had carried our proportionate checks it would ha... (4 pages)View decision -
Decision Reference DRN-2482494
4 Mar 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2482494 Complaint Miss C has complained that Loans 2 Go Limited (“L2G”) provided her with unaffordable personal loans. Background L2G provided Miss C with loans for £250 in March 2019 and June 2019. These loans had an APR of 1,013.2% and an 18-month term. This all meant the total amou... (4 pages)View decision
