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-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 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-2497316
11 Jan 2022 UK Credit Limited Not upheldConsumer CreditDRN-2497316 The complaint Mr S complains UK Credit Limited didn’t complete reasonable and proportionate checks when approving him for two guarantor loans. What happened Mr S was approved for two guarantor loans with UK Credit: Date of loan Capital Amount Term Monthly repayments (approx.) T... (5 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 -
Decision Reference DRN1607013
29 Oct 2018 PDL Finance Limited UpheldBanking and creditMr E complains that PDL Finance Limited (trading as Mr Lender) gave him loans that he couldn’t afford to repay.backgroundThe background to this complaint was set out in the provisional decision I issued in September 2018. An extract from this is attached and forms par... (4 pages)View decision -
Decision Reference DRN4717199
11 Oct 2019 Uncle Buck Finance LLP UpheldBanking and creditMr H says Uncle Buck Finance LLP lent to him irresponsibly.backgroundI sent Mr H and Uncle Buck my provisional findings on this complaint on 24 September 2019. A copy is attached and it forms part of this final decision. I explained why I intended to uphold Mr H’s complaint about the secon... (4 pages)View decision -
Decision Reference DRN-3160382
23 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3160382 The complaint Mr P says AvantCredit of UK, LLC lent to him irresponsibly. What happened In March 2016 Mr P took out a 48-month instalment loan from AvantCredit for £3,800. The monthly repayment was £152.36 and the total repayable was £7,313.14. Mr P says he took out the loan to... (4 pages)View decision -
Decision Reference DRN8188103
29 Jan 2020 Apfin Ltd UpheldBanking and creditMr A complains that Apfin Ltd (trading as cashasap.co.uk) was irresponsible in its lending to him.backgroundBased on the information we have received, Mr A took out 12 loans with cashasap between May 2017 and October 2018.LoanDateRepaidAmount120/05/201709/06/2017£300.00212/07/201 7 14/07/2... (4 pages)View decision