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 DRN3309369
26 Feb 2018 Gain Credit LLC UpheldBanking and creditMr D complains that Gain Credit LLC (trading as Lending Stream) was irresponsible to approve a series of loans.background Mr D had 22 Lending Stream loans from January 2012 to May 2014 as seen in Appendix 1.Mr D was scheduled to repay each loan with four to six monthly... (3 pages)View decision -
Decision Reference DRN8188152
7 Jun 2017 Casheuronet UK LLC UpheldBanking and creditMr B has complained about short-term loans granted to him by CashEuroNet UK LLC trading as Quick Quid.backgroundQuick Quid agreed ten short-term loans for Mr B between March 2013 and July 2016. Mr B complained the loans were unaffordable. Quick Quid disagreed, so Mr ... (5 pages)View decision -
Decision Reference DRN1328170
5 May 2017 Uncle Buck Finance LLP UpheldBanking and creditMrs G complains that Uncle Buck Finance LLP gave her loans that she couldn’t afford.backgroundMrs G took a total of three loans with Uncle Buck. The first, for £200, was in late February 2015. The second, for £100 was in late March 2015, and the final loan, for £... (3 pages)View decision -
Decision Reference DRN9049431
7 Jun 2017 Uncle Buck Finance LLP UpheldBanking and creditMr D complains that Uncle Buck Finance LLP gave him loans he couldn’t afford to pay back. backgroundMr D took out ten loans from Uncle Buck between June 2014 and April 2016. They ranged in size from £100 to £200. Mr D says that Uncle Buck didn’t carry out proper ... (3 pages)View decision -
Decision Reference DRN2509566
17 Dec 2019 Elevate Credit International Limited UpheldBanking and creditMrs G says Elevate Credit International Limited T/A Sunny (‘Sunny’) irresponsibly lent to her.backgroundThis complaint is about five short term loans Sunny provided to Mrs G between 22 November 2016 to 1 May 2017. Mrs G’s borrowing history is as follows (I have rounded the figures for ease... (3 pages)View decision -
Decision Reference DRN3985697
12 Jan 2018 Lending Stream Llc UpheldBanking and creditMr H complains that Lending Stream LLC gave him unaffordable instalment loans and changed the amount it said he owed. He wants a refund of his interest and charges and for his credit file to be amended.backgroundMr H had six loans from Lending Stream between April and... (3 pages)View decision -
Decision Reference DRN-3211928
18 Feb 2022 Sainsbury's Bank Plc UpheldConsumer CreditDRN-3211928 The complaint Mr H complains Sainsbury’s Bank Plc (trading as Sainsbury’s Finance) gave him four unaffordable loans. What happened Mr H took out two loans – the second within two weeks of the first – in August 2016 and a further two loans in April 2017 and June 2017. The origin... (3 pages)View decision -
Decision Reference DRN6490645
16 Apr 2020 Gain Credit LLC Not upheldBanking and creditComplaintMr S has complained about a running account facility he took out with Gain Credit LLC (trading as “Drafty”) in November 2016. He says Drafty should never have given the facility in the first place.BackgroundOne of our adjudicators reviewed what Mr S and Drafty had told us. And he ... (3 pages)View decision -
Decision Reference DRN0953626
12 Oct 2020 Everyday Lending Limited Not upheldBanking and creditMr O has complained that Everyday Lending Limited trading as Everyday Loans lent to him irresponsibly. background Mr O was given a loan of £2,093 by Everyday Loans in March 2014. This was due to be repaid in 24 monthly instalments of around £190. The total amount payable, including intere... (3 pages)View decision -
Decision Reference DRN-1639341
13 Jul 2020 Western Circle Ltd UpheldConsumer CreditThe complaint Mrs C complains that Western Circle Ltd (trading as Cashfloat) lent to her in an irresponsible manner. What happened Mrs C was given six loans by Cashfloat between January and May 2017. Mrs C explains that she was in financial difficulty and borrowing from other lenders and u... (3 pages)View decision
