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 DRN1612912
3 Feb 2016 DJS (UK) Limited Not upheldBanking and creditMr H complains that DJS (UK) Limited (trading as Piggybank) was irresponsible to lend him money so it should refund interest and charges.backgroundIn 2015 Mr H took out a series of short term loans over a few months with Piggybank. He says Piggybank didn’t look at hi... (2 pages)View decision -
Decision Reference DRN8139532
10 Apr 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr R complains that Express Finance (Bromley) Limited (trading as Payday Express) gave him payday loans irresponsibly.backgroundMr R had nine loans from Payday Express between March 2011 and December 2012. He said he was also borrowing from other payday lenders. He sa... (2 pages)View decision -
Decision Reference DRN0656844
6 Feb 2019 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr D complains that CURO TRANSATLANTIC LIMITED (trading as WageDayAdvance) was irresponsible to continue to lend to him. He further complains that WageDayAdvance addressed him incorrectly in its correspondence.backgroundMr D had six loans from WageDayAdvance between Decem... (3 pages)View decision -
Decision Reference DRN-2476748
6 Jan 2021 TFS Loans Limited UpheldConsumer CreditDRN-2476748 Complaint Mr F has complained that TFS Loans Limited (“TFS Loans”) irresponsibly provided him with an unaffordable guarantor loan. He says that he shouldn’t have been given the loan as he had financial difficulties as well as a gambling addiction. Background TFS Loans provided... (10 pages)View decision -
Decision Reference DRN2921360
6 Jul 2017 Instant Cash Loans Limited UpheldBanking and creditMr H complaints about loans he took out with Instant Cash Loans Limited (trading as Payday UK) which he says he shouldn’t have been given because the loans weren’t affordable. backgroundMr H’s borrowing history is as follows; loan numberloan amount received date actual... (3 pages)View decision -
Decision Reference DRN0144059
3 May 2019 Express Finance (Bromley) Limited UpheldBanking and creditMr S complains about three loans Express Finance (Bromley) Limited (trading as Payday Express) lent to him. He says the loans were unaffordable.backgroundFrom the information Payday Express has provided, it lent Mr S loans between July 2008 and June 2016. Some of the ... (3 pages)View decision -
Decision Reference DRN-4885880
29 Oct 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4885880 The complaint Mr M has complained Zopa Bank Limited is asking him to repay a fixed-sum loan he didn’t take out. What happened In January 2024, Mr M’s partner, Ms M, died suddenly. As Mr M was sorting out her affairs, he discovered Ms M had been gambling secretly and had take... (3 pages)View decision -
Decision Reference DRN-1197666
29 May 2020 Santander UK Plc Not upheldBanking and PaymentsDRN-1197666 The complaintA, a limited company, has complained Santander UK plc didn't cancel one of their company cards when requested. What happenedMr H, a director of A, contacted Santander in March 2019 to query the latest transactions on a company debit card. This card had been gi... (3 pages)View decision -
Decision Reference DRN-1670932
17 Apr 2020 Chetwood Financial Limited Not upheldConsumer CreditDRN-1670932The complaintMrs B complains that Chetwood Financial Limited (“CFL”) lent to her irresponsibly.What happenedAt the beginning of April 2018 Mrs B applied for a loan with CFL through a third party agency. The loan was for £3,000 over a period of 12 months and the monthly repayment... (2 pages)View decision -
Decision Reference DRN-2946526
12 Aug 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2946526 The complaint Ms Y says Loans 2 Go Limited lent to her irresponsibly. What happened Ms Y took out an 18-month loan for £800 on 17 May 2020. The monthly repayment was £182.84 and the total repayable was £3291.12. She says the lender did not carry out the correct checks. Our adju... (3 pages)View decision
