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 DRN4348576
11 Dec 2018 Casheuronet UK LLC UpheldBanking and creditMr B complains that the loans approved by CashEuroNet UK LLC (CEN), trading as QuickQuid, were unaffordable and showed that CEN was irresponsible in its lending decisions.backgroundI attach my first and second provisional decisions dated 12 September 2018 and 15 November... (10 pages)View decision -
Decision Reference DRN-4536793
8 Jan 2024 FirstRand Bank Limited Not upheldConsumer CreditDRN-4536793 Complaint Miss W complains that FirstRand Bank Limited (trading as “MotoNovo” Finance) unfairly entered into a hire-purchase agreement with her. She’s said the payments to her agreement were unaffordable and so it shouldn’t have been provided to her. Background In February 2018... (3 pages)View decision -
Decision Reference DRN-3599348
31 Oct 2022 Progressive Money Limited UpheldConsumer CreditDRN-3599348 The complaint Mr M complains that Progressive Money Limited (PML) lent to him irresponsibly. What happened Using information provided to us by PML, Mr M was approved for a £10,000 loan in November 2017. The repayments over ten years were just over £300 each month for 120 months... (12 pages)View decision -
Decision Reference DRN-5699325
17 Oct 2025 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-5699325 The complaint Shop Direct Finance Company Limited trading as very provided Mr E with a catalogue account in 2022. It had a credit limit of £750. Mr E says the credit was provided irresponsibly. What happened The details of this complaint are well-known to both parties, so I... (2 pages)View decision -
Decision Reference DRN7397960
27 Jun 2018 Uncle Buck Finance LLP Not upheldBanking and creditMr M complains that Uncle Buck Finance LLP lent him money he couldn’t afford to repay.backgroundMr M took out one loan with Uncle Buck in October 2013 for £250. He rolled the loan over at the end of October 2013.Mr M says Uncle Buck was irresponsible to agree to l... (2 pages)View decision -
Decision Reference DRN-5592696
30 Sep 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5592696 The complaint Zopa Bank Limited provided Mr C with a £12,000 loan in May 2024 and a £10,000 loan in December 2024. Mr C says the loans were provided irresponsibly. What happened The details of this complaint are well-known to both parties, so I won’t repeat them again here.... (2 pages)View decision -
Decision Reference DRN3836987
29 May 2015 Instant Cash Loans Limited UpheldBanking and creditMr M has complained that Instant Cash Loans Limited lent to him irresponsibly.backgroundOur adjudicator considered that the information provided showed that in July 2010, Mr M had alerted Instant Cash Loans to the fact that he had a gambling addiction. Accordingly, ... (2 pages)View decision -
Decision Reference DRN0749580
10 Jun 2019 Casheuronet UK LLC UpheldBanking and creditMr O says CashEuroNet UK LLC trading as QuickQuid lent to him irresponsibly. He says he spent almost three years trapped in a borrowing cycle and the overwhelming amount of loans came from QuickQuid. He says QuickQuid shouldn’t have approved these loans. backgroundOur ... (5 pages)View decision -
Decision Reference DRN8856997
16 Feb 2021 Creative Finance Corp Ltd UpheldBanking and creditMr C complains that Creative Finance Corp Ltd irresponsibly lent to him. Mr C has also said that he’s unhappy with the level of service Creative Finance provided, specifically surrounding his logbook and the attempted debit of his account. background From the information provided, Mr C too... (5 pages)View decision -
Decision Reference DRN-4316263
5 Jan 2024 Savvy Loan Products Limited UpheldConsumer CreditDRN-4316263 The complaint Mr M complains Savvy Loan Products Limited trading as Tick Tock Loans (“Tick Tock”) gave him loans without carrying out sufficient affordability checks. What happened A summary of Mr M’s borrowing can be found in the table below. loan number loan amount agreement... (5 pages)View decision