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-2895527
29 Jun 2021 TFS Loans Limited UpheldConsumer CreditDRN-2895527 The complaint Mr P says TFS Loans Limited lent to him irresponsibly. What happened Mr P took out a guarantor loan from TFS in December 2015. It was for £7,500 over 60 months. The monthly repayment was £270.25 and the total repayable was £16755. Mr P says he was given a loan he ... (3 pages)View decision -
Decision Reference DRN2965320
13 Aug 2018 Casheuronet UK LLC UpheldBanking and creditMr C complains that CashEuroNet UK LLC, trading as QuickQuid, was irresponsible to give him loans that he couldn’t afford to pay back.backgroundMr C borrowed three times from QuickQuid. He deferred repayment twice and topped up two of the loans as follows:loan numb... (3 pages)View decision -
Decision Reference DRN4213702
14 Nov 2017 Lending Stream Llc Not upheldBanking and creditMr H complains that Lending Stream LLC lent money to him that he could not afford to repay.background Mr H took out 12 loans with Lending Stream. He says that at the time of the loans he was making use of other payday lenders and that his debt became unmanageable. ... (3 pages)View decision -
Decision Reference DRN-3662836
23 Aug 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3662836 The complaint X has complained that the overdraft facility on his HSBC UK Bank Plc (“HSBC”) account was unaffordable and the charges applied to it have left him in persistent debt. What happened X complained to HSBC regarding the affordability of his overdraft and that the char... (3 pages)View decision -
Decision Reference DRN5584438
10 May 2017 Instant Cash Loans Limited UpheldBanking and creditMr F complains that Instant Cash Loans Limited (trading as Payday UK) gave him loans that he couldn’t afford to repay.backgroundMr F borrowed a total of 30 times from Payday UK. His first loan was taken in September 2010 and his last in July 2015. But Instant Cash L... (3 pages)View decision -
Decision Reference DRN-5038043
15 Oct 2024 Madison CF UK Limited UpheldConsumer CreditDRN-5038043 The complaint Mr M says Madison CF UK Limited, trading as 118 118 Money, irresponsibly lent to him What happened Mr M took out a loan for £3,000 over 12 months from 118 118 Money. The monthly repayments were £335.18 and the total repayable was £4,022.16. Mr M says he spent a... (3 pages)View decision -
Decision Reference DRN1258143
20 Jan 2017 Express Finance (Bromley) Limited UpheldBanking and creditMiss L complains that Express Finance (Bromley) Limited (trading as Payday Express) wasirresponsible to lend money to her.backgroundFrom what I’ve seen, Miss L took out two payday loans with Payday Express.The first, for £200, was taken on 1 February 2013. Miss L de... (3 pages)View decision -
Decision Reference DRN-2569704
8 Mar 2021 Lendable Ltd Not upheldConsumer CreditDRN-2569704 Complaint Mr P has complained about a loan Lendable Limited (“Lendable”) provided to him. He says the loan was unaffordable. Background Lendable provided Mr P with a loan of £1,000.00 in June 2019. This loan was due to be repaid in 35 monthly instalments of £37.09 and a final i... (2 pages)View decision -
Decision Reference DRN1491809
29 Sep 2016 MEM Consumer Finance Limited UpheldBanking and creditMr S complains that MEM Consumer Finance Limited (trading as Payday UK) gave him loans he couldn’t afford to repay. He asks that it refunds interest, plus 8% interest, and removes the loans from his credit files.backgroundMr S took out three loans with Payday UK betw... (2 pages)View decision -
Decision Reference DRN-3235863
7 Mar 2022 Shelby Finance Ltd Not upheldConsumer CreditDRN-3235863 The complaint Mr H says Shelby Finance Ltd (trading as Dot Dot Loans) irresponsibly lent to him. What happened This complaint is about one instalment loan Shelby provided to Mr H in September 2019. The loan was for £750 and was to be repaid in nine monthly instalments, the high... (2 pages)View decision
