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-3536320
19 Jul 2022 My Finance Club Limited UpheldConsumer CreditDRN-3536320 The complaint Miss L complains that My Finance Club Limited was irresponsible to lend to her. What happened Miss L had five loans from My Finance Club between June 2019 and October 2019: Loan Date Amount Term Scheduled Repayment Due Repaid 1 10 Jun 2019 £100 30d £124.40 10 Jul ... (4 pages)View decision -
Decision Reference DRN0023541
12 Jul 2019 Casheuronet UK LLC UpheldBanking and creditMr R says CashEuroNet UK LLC (trading as QuickQuid) irresponsibly lent to him.backgroundThis complaint is about ten payday loans QuickQuid provided to Mr R between August 2015 and April 2018. Mr R’s lending history is as follows:loan numberstart date loan amount (£)end date 11a23/08/20151... (4 pages)View decision -
Decision Reference DRN1118240
14 Mar 2017 Barclays Bank Plc UpheldBanking and creditMr A complains that Barclays Bank Plc gave him a loan irresponsibly as it is unaffordable and he now has financial difficulties. .backgroundMr A applied for a loan from Barclays in November 2013. He says it was un affordable and relevant checks were not carried out. He... (2 pages)View decision -
Decision Reference DRN-2614698
21 Jul 2021 Everyday Lending Limited Not upheldConsumer CreditDRN-2614698 The complaint Mr F complains about a loan provided to him by Everyday Lending Limited, trading as Everyday Loans, (“ELL”), which he said was unaffordable. He is also unhappy about the amount of his outstanding loan balance. What happened ELL agreed a loan for Mr F for £4,100 wh... (5 pages)View decision -
Decision Reference DRN0646711
23 Nov 2016 Casheuronet UK LLC Not upheldBanking and creditMr N has complained about short-term loans granted to him by CashEuroNet UK LLC trading as Quick Quid (“Quick Quid” or “the lender”). background The background to this complaint was set out in my provisional decision dated 18 October, a copy of which is attached and ... (6 pages)View decision -
Decision Reference DRN9771168
4 Jan 2019 Casheuronet UK LLC UpheldBanking and creditMiss W complains that CashEuroNet UK LLC (trading as QuickQuid) gave her loans that she couldn’t afford to repay.backgroundThe background to this complaint was set out in the provisional decision I issued in December 2018. An extract from this is attached and forms par... (6 pages)View decision -
Decision Reference DRN-2968503
10 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2968503 The complaint Miss B complains that NewDay Ltd has irresponsibly lent to her. What happened Miss B was accepted for a branded credit card in September 2018 with a credit limit of £500. In February 2019, the credit limit was increased from £500 to £1,400. Miss B was accepted for... (5 pages)View decision -
Decision Reference DRN-2543430
31 Mar 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2543430 Complaint Mr R has complained that Loans 2 Go Limited (“L2G”) provided him with an unaffordable loan. He says L2G should have known the loan was unaffordable. Background L2G provided Mr R with a loan of £750 in November 2018. This loan had an APR of 1,242.8% and a 78-week term... (4 pages)View decision -
Decision Reference DRN-5721004
11 Aug 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5721004 The complaint Mr V’s complaint is that Moneybarn No. 1 Limited trading as Moneybarn provided him with an unaffordable regulated credit agreement to finance a vehicle. Mr V’s complaint has been brought by a professional representative, but for ease I’ve referred to all submi... (4 pages)View decision -
Decision Reference DRN-5929595
27 Nov 2025 North Edinburgh and Castle Credit Union Limited Not upheldConsumer CreditDRN-5929595 The complaint Miss W is complaining that North Edinburgh and Castle Credit Union Limited trading as Castle Community Bank (CCB) lent to her irresponsibly. What happened In October 2024, Miss W applied for a loan with CCB, saying the purpose of it was to consolidate existing ... (4 pages)View decision