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 5162 results
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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 DRN3519436
16 Jan 2019 Casheuronet UK LLC UpheldBanking and creditMiss B says that CashEuroNet UK LLC, trading as QuickQuid, lent to her irresponsibly.backgroundI sent both parties my provisional decision on this complaint on 11 December 2018. A copy of it is attached and it forms part of this final decision. The full backgrou... (8 pages)View decision -
Decision Reference DRN5862788
2 Aug 2017 Casheuronet UK LLC UpheldBanking and creditMr N complains CashEuroNet UK LLC (trading as QuickQuid and Pounds to Pocket) lent him money he couldn’t afford to repay.backgroundBetween May 2013 and June 2015 Mr N took out a total of 18 loans with CashEuroNet. All but one of these loans was with CashEuroNet trad... (3 pages)View decision -
Decision Reference DRN9427782
22 Aug 2018 HSBC Bank plc Not upheldBanking and creditMr N makes a number of complaints about the way in which HSBC Bank plc dealt with his chargeback complaint and that HSBC says he now owes it a large amount of money.backgroundMr N says he was persuaded by a company, I will call B, to make a number of payments to... (2 pages)View decision -
Decision Reference DRN-3388217
19 Apr 2022 Lendable Ltd Not upheldConsumer CreditDRN-3388217 The complaint Mr L complains that Lendable Ltd (trading as “Lendable”) lent to him in an irresponsible manner. What happened Mr L was given a loan by Lendable in August 2021. He borrowed £1625 and agreed to repay this over 36 months. Mr L had an amount outstanding to repay on t... (3 pages)View decision -
Decision Reference DRN-2570871
9 Mar 2021 Novaloans Ltd UpheldConsumer CreditDRN-2570871 The complaint Mr H complains about five loans that he took out with Novaloans Limited, trading as Cash4uNow, (“NL”), which he said were unaffordable. What happened Mr H was given five instalment loans by NL from November 2015 to June 2017. All the loans have been repaid. A summ... (7 pages)View decision -
Decision Reference DRN-4454645
21 Nov 2023 Loans 2 Go Limited UpheldConsumer CreditDRN-4454645 Complaint Miss W has complained about a loan Loans 2 Go Limited (“L2G”) provided to her. She says the loan was unaffordable as she had serious gambling issues and if L2G had carried out proportionate checks it would have seen this. Background L2G provided Miss W with a loan for... (3 pages)View decision -
Decision Reference DRN4092702
29 Mar 2018 Provident Personal Credit Limited UpheldBanking and creditMr B complains that Provident Personal Credit Limited (trading as Satsuma) gave him loans that he couldn’t afford to repay.background Mr B was given two loans by Satsuma in 2017. He borrowed £500 in May 2017 that he agreed to pay back over the following six months. ... (3 pages)View decision -
Decision Reference DRN-3237628
4 Apr 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3237628 The complaint Mr S complains that Everyday Lending Limited (trading as “Trust Two”) lent him a loan he couldn’t afford. What happened Mr S took out another loan on .. ..... 2019 with Everyday Lending Limited, but this is being looked at under reference number ............ I am ... (3 pages)View decision -
Decision Reference DRN9258753
16 Jan 2020 HSBC UK Bank Plc UpheldBanking and creditMr I complains that HSBC UK Bank Plc granted his applications for personal loans which were not affordable.backgroundMr I says he applied for loans from HSBC when he was suffering from depression and was gambling heavily. He says he wasn’t working at the time but told the bank he was in em... (3 pages)View decision
