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-4401482
25 Oct 2023 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4401482 The complaint Miss L complains that Moneybarn No 1 Limited trading as Moneybarn agreed to lending that she couldn’t afford. Miss L is represented by a third party in bringing her complaint but for ease of reading I will only refer to Miss L in my decision. What happened In 2020... (4 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-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 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-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 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-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-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-3737228
5 Oct 2022 HSBC UK Bank Plc Not upheldConsumer CreditDRN-3737228 The complaint Mr P complains that HSBC UK Bank Plc have irresponsibly lent to him. Mr P is represented by his father in law in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments he has made as being made by Mr P himself. What happened Mr... (5 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