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-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 -
Decision Reference DRN-2968503
10 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2968503 The complaint Miss B complains that NewDay Ltd has irresponsibly lent to her. What happened Miss B was accepted for a branded credit card in September 2018 with a credit limit of £500. In February 2019, the credit limit was increased from £500 to £1,400. Miss B was accepted for... (5 pages)View decision -
Decision Reference DRN0646711
23 Nov 2016 Casheuronet UK LLC Not upheldBanking and creditMr N has complained about short-term loans granted to him by CashEuroNet UK LLC trading as Quick Quid (“Quick Quid” or “the lender”). background The background to this complaint was set out in my provisional decision dated 18 October, a copy of which is attached and ... (6 pages)View decision -
Decision Reference DRN-2614698
21 Jul 2021 Everyday Lending Limited Not upheldConsumer CreditDRN-2614698 The complaint Mr F complains about a loan provided to him by Everyday Lending Limited, trading as Everyday Loans, (“ELL”), which he said was unaffordable. He is also unhappy about the amount of his outstanding loan balance. What happened ELL agreed a loan for Mr F for £4,100 wh... (5 pages)View decision -
Decision Reference DRN9771168
4 Jan 2019 Casheuronet UK LLC UpheldBanking and creditMiss W complains that CashEuroNet UK LLC (trading as QuickQuid) gave her loans that she couldn’t afford to repay.backgroundThe background to this complaint was set out in the provisional decision I issued in December 2018. An extract from this is attached and forms par... (6 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
