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 5443 results
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Decision Reference DRN-2467554
21 Jan 2021 American Express Services Europe Limited (AESEL) Not upheldBanking and PaymentsDRN-2467554 The complaint Mr I complained that American Express Services Europe Limited (AESEL) lent to him irresponsibly What happened Mr I applied for a credit card with AESEL. The application was approved, and the card was issued in June 2016. In the same month, AESEL reviewed the activ... (3 pages)View decision -
Decision Reference DRN-3809865
17 Mar 2023 Sporting Index Limited Not upheldInvestmentsDRN-3809865 The complaint Mr H has complained that Sporting Index Limited (‘Sporting Index’) allowed him to place bets over his limit by almost three times. He has also said that Sporting Index should have better monitored his account because the increase in the number and stake of bets he... (3 pages)View decision -
Decision Reference DRN6399936
19 May 2017 Uncle Buck Finance LLP Not upheldBanking and creditMr W complains that Uncle Buck Finance LLP made short-term lending to him when it shouldn’t have.backgroundUncle Buck made one loan to Mr W. He later arranged a debt management plan. He complained that the loan was unaffordable and the lender should write it off.... (2 pages)View decision -
Decision Reference DRN-5665769
13 Oct 2025 Evergreen Finance London Limited UpheldConsumer CreditDRN-5665769 The complaint Mr P complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk irresponsibly lent to him. What happened MoneyBoat lent Mr P three loans, from the information provided the lending history is as follows: Loan number Start date Loan amount (... (4 pages)View decision -
Decision Reference DRN8635151
24 Mar 2018 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr C complains that CURO Transatlantic Limited trading as WageDay Advance (“WDA”) gave him loans that he couldn’t afford to repay.backgroundMr C was given seven loans by WDA between March 2014 and September 2014. He was unable to repay his final loan on the due date ... (3 pages)View decision -
Decision Reference DRN2359568
15 Mar 2019 PDL Finance Limited UpheldBanking and creditMiss M complains that PDL Finance Limited (trading as Mr Lender) gave her loans that she couldn’t afford.backgroundMiss M took out a total of five loans with Mr Lender.LoanDateAmount borrowedNo. of instalmentsDate repaid112.12.15£250616.12.15219.12.15£250324.12.15316.05.1... (3 pages)View decision -
Decision Reference DRN5824975
13 Dec 2018 MYJAR Limited Not upheldBanking and creditMr T complains that MYJAR Limited gave him loans that he couldn’t afford to repay. backgroundMr T has used a claims management company (CMC) to help him make his complaint.The background to this complaint was set out in the provisional decision I issued in October 2018... (3 pages)View decision -
Decision Reference DRN-1809532
8 Jul 2020 Gain Credit LLC UpheldConsumer CreditDRN-1809532 The complaintMr N complains that Gain Credit LLC (trading as Lending Stream) lent to him in an irresponsible manner. What happenedMr N was given six loans by Lending Stream between April and June 2018. He says it didn’t do adequate affordability checks before giving him the lo... (3 pages)View decision -
Decision Reference DRN2291389
10 Oct 2019 Elevate Credit International Limited UpheldBanking and creditMr M says Elevate Credit International Limited (trading as Sunny) irresponsibly lent to him.backgroundThis complaint is about 11 instalment loans Sunny provided to Mr M between 21 August 2017 and 19 January 2018. Mr M borrowed amounts ranging between £100 and £500. The loans were to be rep... (3 pages)View decision -
Decision Reference DRN4106282
19 Apr 2018 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr T complains that Curo Transatlantic Limited (trading as WageDay Advance) gave him loans that he couldn’t afford.backgroundMr T took out a total of 29 loans with Wage Day between September 2012 and October 2016. The amounts he borrowed ranged from £175 to £870.Mr T ... (3 pages)View decision