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-5526422
23 May 2025 Carmoola Limited Not upheldConsumer CreditDRN-5526422 Complaint Mr G complains that Carmoola Limited (trading as “Carmoola”) unfairly entered into an unaffordable hire-purchase agreement with him. Background In September 2023, Carmoola provided Mr G with finance for a used car. The purchase price of the car was £13,995.00. Mr ... (3 pages)View decision -
Decision Reference DRN-2560303
8 Feb 2021 TFS Loans Limited UpheldConsumer CreditDRN-2560303 The complaint Mr W complains that TFS Loans Limited lent to him in an irresponsible manner. What happened Mr W was given a single loan by TFS. He borrowed £6,500 in February 2016 and agreed to repay the loan over 54 monthly instalments. Mr W’s loan was guaranteed by a family me... (3 pages)View decision -
Decision Reference DRN1265173
17 Nov 2016 Casheuronet UK LLC UpheldBanking and creditMr C complained that CashEuroNet UK LLC (trading as QuickQuid) gave him loans that he couldn’t afford to repay.backgroundThe background to this complaint was set out in the provisional decision I issued last month. An extract from this is attached and forms part of this... (4 pages)View decision -
Decision Reference DRN-5255843
14 Mar 2025 East Lancashire Moneyline (IPS) Limited UpheldConsumer CreditDRN-5255843 The complaint Mr G complains that East Lancashire Moneyline (IPS) Limited trading as Moneyline, lent to him irresponsibly - he could not afford to repay the loans as he already had a lot of debt. What happened Mr G took five loans between August 2022 and July 2024. Here is ... (4 pages)View decision -
Decision Reference DRN-3147069
5 Nov 2021 Madison CF UK Limited UpheldConsumer CreditDRN-3147069 The complaint Mr B complains that Madison CF UK Limited (trading as 118 118 Money) granted him loans that were unaffordable. What happened In March 2019, Mr B took out a loan for £1,000 with Madison. The loan was to be repaid over 18 months with repayments set at £106.85 a mont... (4 pages)View decision -
Decision Reference DRN-3293681
29 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3293681 The complaint Mr M complains that NewDay Ltd won’t reimburse money he lost when he says he fell victim to a binary options investment scam. What happened Mr M came across a binary options company called 72 Option online. They guaranteed profits and explained investing with them... (3 pages)View decision -
Decision Reference DRN4195267
16 Oct 2018 DJS (UK) Limited Not upheldBanking and creditMr W complains that DJS (UK) Limited, trading as PiggyBank, was irresponsible to give him a loan at a time when his debts were mounting up due to a gambling addiction. He is also concerned that PiggyBank keeps contacting him about the repayment of the debt and he... (3 pages)View decision -
Decision Reference DRN-4109359
31 Jul 2023 FUND OURSELVES LIMITED Not upheldConsumer CreditDRN-4109359 The complaint Mr D complains that FUND OURSELVES LIMITED irresponsibly provided him with loans he couldn’t afford to repay, and that it continued to charge him interest while he was in a “breathing space”. What happened Mr D took out two loans with Fund Ourselves as follows Da... (4 pages)View decision -
Decision Reference DRN-5541398
13 May 2025 Bank of Scotland Plc UpheldBanking and PaymentsDRN-5541398 The complaint Mr M, who is represented by a third party, complains that Bank of Scotland plc, trading as Halifax (‘Halifax’), acted irresponsibly when it agreed to provide him with an overdraft facility and continued to make it available to him. He says Halifax failed to take i... (3 pages)View decision -
Decision Reference DRN0603801
7 Nov 2018 Uncle Buck Finance LLP UpheldBanking and creditMrs T complains that Uncle Buck Finance LLP gave her loans that were unaffordable.backgroundBetween November 2014 and August 2016 Mrs T borrowed a number of loans from Uncle Buck, as follows: Loan No DateAmountLoan typeRepaid 1 19.11.14£150Payday27.11.14 2 3.1.15£325 Instalm... (4 pages)View decision