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-4045374
17 Jul 2023 FUND OURSELVES LIMITED Not upheldConsumer CreditDRN-4045374 The complaint Mr L complains that FUND OURSELVES LIMITED (“FOL”) lent to him when he could not afford it. What happened Using information from FOL here is a loan table. There is a gap between loans 5 and 6 which our adjudicator treated as a break in the lending relationship and... (4 pages)View decision -
Decision Reference DRN5276149
22 Apr 2021 Avantcredit Of Uk, Llc UpheldBanking and creditMr L complained that AvantCredit of UK, Llc (trading as Avantcredit) acted irresponsibly when it agreed to lend to him. background Mr L took out a two loans with Avantcredit. This table shows loan details: Loan Date Taken Date Repaid Number of instalments Amount Monthly repayment* (approxi... (7 pages)View decision -
Decision Reference DRN6576541
29 Jun 2018 Casheuronet UK LLC UpheldBanking and creditMr H complains about the loans he took out with Casheuronet UK LLC trading as QuickQuid. He says that he had difficulty meeting the repayments to his loans due to his poor financial situation. And he says the loans made his situation worse. He feels that if Casheu... (6 pages)View decision -
Decision Reference DRN1554343
8 Jul 2019 Casheuronet UK LLC UpheldBanking and creditMr R complains that CashEuroNet UK LLC (trading as QuickQuid) was irresponsible to lend to him.backgroundMr R had six loans from QuickQuid between March 2014 and September 2018 as follows:Loan Date AmountTerm Due Repayment* Repaid 121 Mar 2014£40090d19 Jun 2014£518On time229 Jun 2014£60010... (4 pages)View decision -
Decision Reference DRN-4779460
3 May 2024 Madison CF UK Limited UpheldConsumer CreditDRN-4779460 The complaint Mr E is complaining about Madison CF UK Limited trading as 118 118 Money because he says it lent irresponsibly by providing him with a loan he couldn’t afford. What happened In July 2022, 118 118 Money approved Mr E’s application for a loan of £2,000. The interest... (4 pages)View decision -
Decision Reference DRN-6105744
29 Jan 2026 Fairscore Ltd UpheldConsumer CreditDRN-6105744 The complaint Mr K says Fairscore Ltd, trading as Updraft, irresponsibly lent to him. What happened Mr K took out two loans from Updraft. The first, on 14 August 2023, was for £8,000 over 25 months with monthly repayments of £435.33. The second, on 17 April 2024, was for £17... (3 pages)View decision -
Decision Reference DRN1551924
17 Jan 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr Y complains that Express Finance (Bromley) Limited (trading as Payday Express) shouldn’t have provided him with loans which he says were unaffordable.backgroundMr Y complained to Payday Express about the loans he’d been provided with. It issued a final response to M... (4 pages)View decision -
Decision Reference DRN-2935359
8 Sep 2021 Oplo PL Ltd UpheldConsumer CreditDRN-2935359 The complaint Mr F has complained Oplo PL Ltd has lodged a fraud-related marker against his name. Mr F is represented in his complaint by his wife, Mrs F. What happened After having a loan application turned down by Oplo, Mr F found out a CIFAS marker was lodged against his nam... (2 pages)View decision -
Decision Reference DRN-1224021
6 Apr 2020 Elevate Credit International Limited UpheldConsumer CreditDRN-1224021 The complaint Mr W complains that Elevate Credit International Limited (trading as ‘Sunny’) acted irresponsibly when lending to him. What happened Over the course of a month or so between September and October 2018 Sunny provided Mr W with 4 instalment loans. When they were arr... (4 pages)View decision -
Decision Reference DRN-2813041
26 May 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2813041 The complaint Mr D is unhappy that NewDay Ltd, trading as Aqua, approved him for a credit account which he feels was unaffordable for him at that time. Mr D is also unhappy that NewDay Ltd, trading as Aqua, subsequently increased the credit limit on the account, which he also c... (4 pages)View decision