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 4808 results
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Decision Reference DRN-3584161
7 Jul 2022 Harvey & Thompson Limited UpheldConsumer CreditDRN-3584161 The complaint Mrs D complains that the loans she had from Harvey & Thompson Limited were unaffordable to her. What happened Mrs D had five loans from Harvey & Thompson between April 2017 and August 2018 as follows: Loan Date Amount Term Max Monthly Repayment Due Repaid ... (3 pages)View decision -
Decision Reference DRN6279425
7 Feb 2018 DJS (UK) Limited UpheldBanking and creditMr T complains that DJS (UK) Limited, trading as PiggyBank, was irresponsible to have provided him with a number of payday loans.backgroundMr T was provided with 17 payday loans by DJS as follows:-Number of loanDate of loanAmount repayable1.17/3/2014£332.532.17/4/2014... (4 pages)View decision -
Decision Reference DRN-4710845
27 Mar 2024 Startline Motor Finance Limited Not upheldConsumer CreditDRN-4710845 The complaint Mr D is complaining about Startline Motor Finance Limited’s decision to lend to him – he says the loan was unaffordable. What happened In March 2022, Mr D took out a hire purchase agreement with Startline, via a broker, to finance the purchase of a car. He paid no... (4 pages)View decision -
Decision Reference DRN8257198
12 Dec 2018 Quidie Limited UpheldBanking and creditMr M says Quidie Limited lent to him irresponsibly.backgroundI sent Mr M and Quidie my provisional decision on 21 November 2018. A copy of it is attached and it forms part of this final decision. The full background to the complaint is set out in my provisional decisi... (5 pages)View decision -
Decision Reference DRN8344042
30 Aug 2019 Casheuronet UK LLC UpheldBanking and creditMr S complains that CashEuroNet UK LLC, trading as QuickQuid, was irresponsible when it provided a number of loans to him.backgroundMr S took seven loans with QuickQuid between June 2016 and September 2017. This table contains some of the information QuickQuid has provided about Mr S’s loa... (5 pages)View decision -
Decision Reference DRN9449139
15 May 2017 Casheuronet UK LLC Not upheldBanking and creditMr F complains that CashEuroNet UK LLC (trading as Quick Quid) gave him short-term loans which were unaffordable. background Mr F took 11 loans with Quick Quid over an 18 month period as follows:Loan DateLoan amount (£)Rollover date(s)Repaid date119/04/2012 40027/04/... (5 pages)View decision -
Decision Reference DRN-2902330
30 Jun 2021 Advancis Limited UpheldConsumer CreditDRN-2902330 The complaint Mr B complained that Advancis Limited trading as Buddy Loans lent to him irresponsibly. What happened Mr B took out a loan with Buddy Loans as follows: Loan Date Amount Term Monthly repayment 1 06/06/17 £4,000 48 months £171.10 Mr B brought his complaint to us whe... (5 pages)View decision -
Decision Reference DRN-2339534
29 Dec 2020 Loans 2 Go Limited UpheldConsumer CreditDRN-2339534 The complaint Mr A has complained that Loans 2 Go Limited lent to him irresponsibly. He’s also complained about the level of interest that was charged on his loans. What happened Mr A was given five loans by Loans2Go between in June 2015 and June 2019. I understand the first fo... (5 pages)View decision -
Decision Reference DRN-4361274
18 Dec 2023 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4361274 The complaint Mr N complains that Bank of Scotland Plc (trading as Halifax) won’t refund the money he lost to an investment scam. Mr N is represented by a third party, but for ease of reading, I’ll refer to all submissions as having come from Mr N alone. What happened In 2015, ... (5 pages)View decision -
Decision Reference DRN-5387330
7 Apr 2025 Loans 2 Go Limited UpheldConsumer CreditDRN-5387330 The complaint Mr D complains that Loans 2 Go Limited was irresponsible to lend to him on three occasions. What happened Loans 2 Go agreed three loans for Mr D from June 22 to September 2024. I’ve summarised some of the information it provided about these loans in the table... (4 pages)View decision
