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 5478 results
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Decision Reference DRN-2877587
21 Jul 2021 Everyday Lending Limited UpheldConsumer CreditDRN-2877587 The complaint Miss H believes Everyday Lending Limited, trading as Everyday Loans, acted irresponsibly by agreeing four loans she’d applied for. What happened In February 2018, Miss H took out a £3,000 loan (Loan 1) with Everyday, to be repaid over 24 months with repayments of ... (4 pages)View decision -
Decision Reference DRN2503129
22 Jun 2020 Loans 2 Go Limited UpheldBanking and creditMr H says it was irresponsible for Loans 2 Go Limited (Loans 2 Go) to lend him money in 2018.backgroundIn March 2018, Loans 2 Go Limited lent Mr H £300. Mr H agreed to repay this, with interest, over 18 months. Interest was charged at a simple fixed interest rate of 205.2% per year, applie... (5 pages)View decision -
Decision Reference DRN-2971947
23 Mar 2022 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2971947 The complaint Mr B complains that Vanquis Bank Limited (“Vanquis”) registered a fraud prevention marker against him without due cause. What happened Mr B held a credit card account with Vanquis from December 2019 to March 2020. During this time, Mr B utilised the credit balance... (4 pages)View decision -
Decision Reference DRN-4623871
15 Feb 2024 PDL Finance Limited UpheldConsumer CreditDRN-4623871 The complaint Miss L complains PDL Finance Limited trading as Mr Lender (“Mr Lender”) gave her loans without carrying out affordability checks. What happened A summary of Miss L’s borrowing can be found below. loan number loan amount agreement date repayment date number monthly... (4 pages)View decision -
Decision Reference DRN-2022694
27 Jul 2020 Western Circle Ltd UpheldConsumer CreditDRN-2022694 The complaintMr G says Western Circle Ltd trading at the time as ‘Cashfloat’ irresponsibly lent to him. What happenedIn June 2020 I issued my provisional decision. In it I explained why I was intending to uphold Mr G’s complaint about loans 6,7 and 8. An extract of my provision... (4 pages)View decision -
Decision Reference DRN1215429
13 Feb 2019 Casheuronet UK LLC UpheldBanking and creditMr W has complained about short-term loans granted to him by CashEuroNet UK LLC trading as Quick Quid (“Quick Quid” or “the lender”). Mr W says Quick Quid was irresponsible to lend to him, that he couldn’t afford the loans and fell behind on his other outgoings in o... (4 pages)View decision -
Decision Reference DRN-2725790
3 Apr 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2725790 The complaint Mr B complains about ‘log book’ loans provided to him by Loans 2 Go Limited, (“L2G”) which he says were unaffordable. What happened L2G provided Mr B with ‘log book’ loans. These loans were granted on the basis that Mr B provided L2G with a bill of sale for his c... (4 pages)View decision -
Decision Reference DRN-3247311
31 May 2022 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3247311 The complaint Mr M complains that Lloyds Bank PLC (Lloyds) won’t refund the payments he made to two gambling merchants (M and R) which he now believes were a scam. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. The... (2 pages)View decision -
Decision Reference DRN-3129525
22 Nov 2021 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-3129525 The complaint Mr M complains that Moneybarn No. 1 Limited irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In February 2019, Mr M acquired a used car financed by a conditional sale agreement from Moneybarn. Mr M paid a deposit of... (2 pages)View decision -
Decision Reference DRN1113885
19 Dec 2019 Logbook Money Limited UpheldBanking and creditMr J has complained that Logbook Money Limited (“Logbook Money”) irresponsibly provided him with a logbook loan. backgroundLogbook Money provided Mr J with a loan of £1,100 in December 2017. The loan was due to be repaid in 78 weekly instalments of £39.49. This meant that the total cost o... (2 pages)View decision