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-2543430
31 Mar 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2543430 Complaint Mr R has complained that Loans 2 Go Limited (“L2G”) provided him with an unaffordable loan. He says L2G should have known the loan was unaffordable. Background L2G provided Mr R with a loan of £750 in November 2018. This loan had an APR of 1,242.8% and a 78-week term... (4 pages)View decision -
Decision Reference DRN-3315268
7 Mar 2022 Chetwood Financial Limited Not upheldConsumer CreditDRN-3315268 The complaint Mr G has complained that Chetwood Financial Limited trading as Live Lend was irresponsible in lending to him. What happened In November 2020 Mr G applied online for a loan from Live Lend for £10,000. The loan was taken out over 30 months with an APR of 34.2% and h... (4 pages)View decision -
Decision Reference DRN-2621323
23 Apr 2021 Western Circle Ltd UpheldConsumer CreditDRN-2621323 The complaint Mr G says Western Circle Ltd trading as Cashfloat lent to him irresponsibly. He says that Cashfloat didn’t make proper checks, if it had done then it would have seen he was in financial difficulty and not lent to him. Mr G also says that he had problems contacting... (4 pages)View decision -
Decision Reference DRN-3487596
30 May 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3487596 The complaint Miss M complained that Loans 2 Go Limited lent to her irresponsibly and provided her with a loan that was unaffordable. What happened In May 2019, Miss M had arranged to borrow £750 from Loans 2 Go. That loan was cancelled the same day it was arranged so Miss M di... (5 pages)View decision -
Decision Reference DRN-3453022
10 Jun 2022 Indigo Michael Limited UpheldConsumer CreditDRN-3453022 The complaint Ms B (through a representative) has complained that Indigo Michael Limited (trading as Safety Net Credit (SNC)) didn’t complete proper affordability checks before approving her Safety Net facility or at each new instance of borrowing. What happened Ms B approached... (4 pages)View decision -
Decision Reference DRN8928671
15 Jan 2020 PDL Finance Limited UpheldBanking and creditMr W complains that PDL Finance Limited (trading as ‘Mr Lender’) lent irresponsibly to him. backgroundBetween May 2016 and December 2016, Mr W took out four loans with Mr Lender. His borrowing history is as follows: Loan numberDate taken outDate repaid Planned number of monthly instalments... (4 pages)View decision -
Decision Reference DRN-3085890
31 Dec 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3085890 The complaint Mrs F complains that Barclays Bank UK PLC trading as Barclaycard (“Barclays”) acted irresponsibly when they increased her credit card limit in February 2015. Mrs F says the lending was unaffordable for her. What happened In March 2007 Mrs F took out a credit card... (4 pages)View decision -
Decision Reference DRN-5721004
11 Aug 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5721004 The complaint Mr V’s complaint is that Moneybarn No. 1 Limited trading as Moneybarn provided him with an unaffordable regulated credit agreement to finance a vehicle. Mr V’s complaint has been brought by a professional representative, but for ease I’ve referred to all submi... (4 pages)View decision -
Decision Reference DRN-4045374
17 Jul 2023 FUND OURSELVES LIMITED Not upheldConsumer CreditDRN-4045374 The complaint Mr L complains that FUND OURSELVES LIMITED (“FOL”) lent to him when he could not afford it. What happened Using information from FOL here is a loan table. There is a gap between loans 5 and 6 which our adjudicator treated as a break in the lending relationship and... (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
