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-3127580
17 Nov 2021 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-3127580 The complaint Mr T complains that Moneybarn No. 1 Limited irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In February 2016, Mr T acquired a used car financed by a conditional sale agreement from Moneybarn. Mr T was required to m... (2 pages)View decision -
Decision Reference DRN8417576
19 Sep 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr S complains that Curo Transatlantic Limited trading as Wage Day Advance (WDA) lent him unsuitable payday loans. He wants a refund of his interest and for his credit file to be amended. backgroundMr S took out eight loans from WDA between May 2013 and January 2017.... (2 pages)View decision -
Decision Reference DRN0344861
31 Mar 2019 IG Index Limited Not upheldInvestment and pensionsMr P has a spread betting account with IG Index Limited. He says he has been treated unfairly by IG in a number of ways. His points include: IG should not have allowed him to open a spread betting account. IG’s interests conflict with his – it profits from his ... (12 pages)View decision -
Decision Reference DRN1160667
9 Oct 2018 Casheuronet UK LLC Not upheldBanking and creditMiss M complains that CashEuroNet UK LLC (trading as Quick Quid) was irresponsible to offer her loans she couldn’t afford to repay. She asks that it refunds interest and charges and removes information about the loans from her credit file.backgroundMiss M took out four ... (3 pages)View decision -
Decision Reference DRN0669696
23 Jun 2017 Lending Stream Llc UpheldBanking and creditMr H complains that Lending Stream LLC gave him loans he couldn’t afford to repay. background Mr H took out three loans with Lending Stream between January and March 2014. He says he was also borrowing from other payday lenders and had a gambling problem. He says Lending... (3 pages)View decision -
Decision Reference DRN3906961
5 Jun 2017 Lending Stream Llc Not upheldBanking and creditMr Z complains Lending Stream LLC lent him money he couldn’t afford.backgroundMr Z took out four instalment loans in the space of a few weeks as follows: date takenamountinstalments highest monthly paymentDate repaid 28 May 2013 £165 5 £90.75 7 August 2013 5 June 2013 £... (3 pages)View decision -
Decision Reference DRN9067001
22 Dec 2016 MEM Consumer Finance Limited UpheldBanking and creditMrs P complains that MEM Consumer Finance Limited trading as Payday UK gave her loans she couldn’t afford to repay. backgroundMrs P has told us that she borrowed money from Payday UK between 2009 and 2015. She doesn’t feel Payday UK did enough to check she could affor... (2 pages)View decision -
Decision Reference DRN-4532069
6 Feb 2024 Brent Shrine Credit Union Limited Not upheldConsumer CreditDRN-4532069 The complaint Mr T complains that Brent Shine Credit Union Limited (BSCU), irresponsibly lent to him when it provided him with a loan for £2,000. What happened I set out the background to this complaint and my initial findings in my provisional decision dated 28 November 2023 (... (5 pages)View decision -
Decision Reference DRN-4365090
9 Oct 2023 Evergreen Finance London Limited UpheldConsumer CreditDRN-4365090 The complaint Mr S complains Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) provided him with loans he couldn’t afford to repay. What happened Mr S was granted three loans and I’ve outlined his borrowing history in the table below. loan number loan am... (5 pages)View decision -
Decision Reference DRN-4161676
16 Jun 2023 Sporting Index Limited UpheldInvestmentsDRN-4161676 The complaint Mr D complains that Sporting Index Limited allowed him to open a spread betting account when it was inappropriate for him. What happened Mr D had an account with Sporting Index Limited. He placed a number of fixed odds bets but also incurred losses playing virtual... (4 pages)View decision