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 DRN6907153
8 Nov 2016 Lending Stream Llc Not upheldBanking and creditMr N has complained about short-term loans granted to him by Lending Stream LLC (“Lending Stream” or “the lender”). Mr N says he couldn’t afford these loans and he feels it was irresponsible of Lending Stream to have agreed them.backgroundThe background to the compla... (4 pages)View decision -
Decision Reference DRN-5656066
14 Jul 2025 Madison CF UK Limited Not upheldConsumer CreditDRN-5656066 Complaint Mr N has complained about personal loans which Madison CF UK Limited (trading as “118 118 Money”) provided to him. He’s said that these loans were unaffordable and that as sufficient checks would have shown this, he shouldn’t have been provided with them. Backgro... (5 pages)View decision -
Decision Reference DRN-4800955
16 May 2024 Gain Credit LLC UpheldConsumer CreditDRN-4800955 The complaint Mr O complains that Gain Credit LLC trading as Lending Stream (“Lending Stream”) failed to conduct proportionate affordability checks before it lent to him. What happened A summary of Mr O’s borrowing can be found in the table below. loan number loan amount agreem... (5 pages)View decision -
Decision Reference DRN-2322116
4 Dec 2020 CMC Spreadbet Plc Not upheldInvestmentsDRN-2322116 The complaint Mr K is unhappy with how CMC Spreadbet Plc handled one of his trades and has wider concerns about his spread betting account. What happened Mr K opened a trading account with CMC in 2012. Because of the products on offer, part of the online application process req... (4 pages)View decision -
Decision Reference DRN-2278056
21 Oct 2020 Loans 2 Go Limited UpheldConsumer CreditDRN-2278056 The complaint Mrs S complains about a personal loan provided to her by Loans 2 Go Limited, trading as Loans 2 Go, (“L2G”), which she says was unaffordable. What happened L2G provided Mrs S with a loan of £750 on 9 January 2019. The interest rate was 207.6% (1,013.2% APR). The l... (4 pages)View decision -
Decision Reference DRN-4208729
10 Jul 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4208729 The complaint Mr P complains that Barclays Bank UK PLC, trading as Barclaycard, irresponsibly provided him with two credit cards he couldn’t afford to repay. What happened In December 2003, it seems Barclays opened a credit card account for Mr P with a credit limit of £3,500. I... (2 pages)View decision -
Decision Reference DRN-3618258
28 Jul 2022 Evergreen Finance London Limited UpheldConsumer CreditDRN-3618258 The complaint Mrs H complains that the loan she had from Evergreen Finance London Limited (trading as Moneyboat) was unaffordable. What happened Mrs H borrowed £600 from Moneyboat on 12 August 2021. The loan was due to be repaid by six monthly instalments of £169.55 with the la... (3 pages)View decision -
Decision Reference DRN-4007020
20 Apr 2023 Barclays Bank UK PLC Not upheldConsumer CreditDRN-4007020 The complaint Ms H says Barclays Bank UK PLC irresponsibly lent to her. What happened Ms H took out a personal loan with Barclays in October 2018. The loan was for £25,000 over a 60-month term, with monthly repayments of around £480. It was for home improvements. At the time of... (2 pages)View decision -
Decision Reference DRN-5836838
30 Jan 2026 Evergreen Finance London Limited Not upheldConsumer CreditDRN-5836838 The complaint Miss D complaint Evergreen Finance London Limited trading as MoneyBoat.co.uk lent to her when she could not afford to repay it. She says the loan was lent irresponsibly. What happened On October 2024 Miss M took one loan for £500 from MoneyBoat and was due to r... (2 pages)View decision -
Decision Reference DRN-3453874
3 May 2022 Loans 2 Go Limited Not upheldConsumer CreditDRN-3453874 The complaint Miss R says Loans 2 Go Limited irresponsibly lent to her. What happened This complaint is about a personal loan provided by Loans 2 Go to Miss R in April 2021. The loan was for £1000 and was to be repaid by Miss R over 18 months. There is a balance that remains to... (3 pages)View decision