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 DRN2282909
30 Aug 2018 Casheuronet UK LLC UpheldBanking and creditMr J complains that CashEuroNet UK LLC (trading as QuickQuid) gave him loans that he couldn’t afford to repay.backgroundMr J was given five loans by QuickQuid between December 2014 and December 2015. And he topped up two of those loans by taking some additional bor... (4 pages)View decision -
Decision Reference DRN2593675
3 Jun 2019 MYJAR Limited UpheldBanking and creditMr G says MYJAR Limited (“MYJAR”) lent to him irresponsibly. He also says it didn’t treat him fairly in the manner in which it asked him to pay an outstanding balance.backgroundI sent both parties my provisional decision on 16 May 2019. A copy of it is attached ... (4 pages)View decision -
Decision Reference DRN-2963152
30 Sep 2021 TFS Loans Limited UpheldConsumer CreditDRN-2963152 The complaint Ms F complains that the loan she had from TFS Loans Limited was unaffordable to her. What happened Ms F took out a guarantor loan with TFS Loans on 11 May 2016. She borrowed £7,500 and was due to repay £304.63 monthly for 48 months. Ms F says that TFS Loans didn’... (4 pages)View decision -
Decision Reference DRN-1929512
16 Jul 2020 Zippa Limited UpheldConsumer CreditDRN-1929512 The complaintMr J says Zippa Limited lent to him irresponsibly. He says that he needed to borrow again shortly after lending and he tried to borrow increasing amounts. He thinks Zippa didn’t make adequate checks before lending. What happenedThis complaint is about six instalme... (4 pages)View decision -
Decision Reference DRN-2063149
28 Aug 2020 Valour Finance Limited UpheldConsumer CreditDRN-2063149The complaintMr P complains that Valour Finance Limited trading as Savvy.co.uk acted irresponsibly when lending to him. What happenedIn January 2019, Savvy loaned £1,250 to Mr P and he signed an agreement to repay this loan in fifteen monthly instalments. In the event, Mr P wasn... (4 pages)View decision -
Decision Reference DRN0379178
22 Jan 2021 Madison CF UK Limited Not upheldBanking and creditMr B complains that Madison CF UK Limited trading as 118118 Money (“MCF”) lent to him in an irresponsible manner. background Mr B was given three loans by MCF. The first two loans were taken in 2016, with the final loan being agreed in 2018. There was a significant gap between the repaymen... (3 pages)View decision -
Decision Reference DRN9621945
8 Oct 2020 Madison CF UK Limited Not upheldBanking and creditMr C complains that Madison CF UK Limited trading as 118118 Money (“MCF”) lent to him in an irresponsible manner. background Mr C was given four loans by MCF between December 2014 and March 2017. The first loan was due to be repaid in 12 monthly instalments. Around three months into that t... (3 pages)View decision -
Decision Reference DRN0400016
29 Sep 2017 Active Securities Limited UpheldBanking and creditMrs M complains that Active Securities Limited (trading as 247 Moneybox) gave her loans that she couldn’t afford to repay.backgroundMrs M was given 12 loans by 247 Moneybox between January 2016 and January 2017. She has been unable to repay her final loan and a bala... (4 pages)View decision -
Decision Reference DRN-4832590
5 Mar 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4832590 The complaint Mr P is unhappy Monzo Bank Ltd closed his account during a period of financial difficulty. What happened Mr P has told us: Mr P had an account with Monzo. In April 2023 he asked to increase his overdraft limit because he was in financial difficulties. Monzo... (4 pages)View decision -
Decision Reference DRN-5214051
5 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5214051 The complaint Mr R complains that Vanquis Bank Limited lent to him irresponsibly. What happened Vanquis provided Mr R with a credit card account in November 2011. Initially, his credit limit was set at £500; Mr R’s credit limit was then increased four times in the years that... (3 pages)View decision