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 DRN0114228
21 Jun 2018 Western Circle Limited UpheldBanking and creditMr P complains that Western Circle Ltd, trading as Cashfloat, gave him loans he couldn’t afford to repay.backgroundMr P took out the following loans with Cashfloat: date £ amount borrowedno./£ amount of repayment(s) (rounded)date repaid 118 January 20172001/2663 February 201... (3 pages)View decision -
Decision Reference DRN8453375
6 Nov 2017 WDFC UK Limited UpheldBanking and creditMr S complains that WDFC UK Limited, trading as Wonga, gave him loans that he couldn’t afford to pay back.backgroundMr S took out 16 loans with Wonga between February 2012 and April 2013.loandate takenamountdeferrals/top upsdate repaid17 February 2012£10024 February 201... (3 pages)View decision -
Decision Reference DRN-4537245
4 Jan 2024 Evergreen Finance London Limited UpheldConsumer CreditDRN-4537245 The complaint Mr C complained through a representative that Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) failed to take reasonable steps to ensure the loans it lent him were affordable. What happened A summary of Mr C’s borrowing can be found below.... (5 pages)View decision -
Decision Reference DRN-4738569
28 Jun 2024 esure Insurance Limited Not upheldInsuranceDRN-4738569 The complaint Mr J is complaining that he couldn’t renew the motor insurance policy that he took out through esure Insurance Limited. What happened In October 2023, Mr J’s motor insurance policy – provided by esure – was due to renew. But due to a technical issue he was unable ... (2 pages)View decision -
Decision Reference DRN8728255
4 Oct 2016 Casheuronet UK LLC UpheldBanking and creditMr D has complained about short-term loans granted to him by Casheuronet UK LLC trading as Quick Quid (“Quick Quid” or the “lender”) between March 2010 and April 2015.backgroundThe background to the complaint was set out in my provisional decision dated 2 September 201... (6 pages)View decision -
Decision Reference DRN-3042370
15 Sep 2021 Western Circle Ltd UpheldConsumer CreditDRN-3042370 The complaint Mr H complains Western Circle Ltd trading as Cashfloat (Cashfloat) didn’t carry out sufficient affordability checks. Had it done so, then Mr H says Cashfloat wouldn’t have provided him with these loans. What happened Our adjudicator partly upheld Mr H’s complaint ... (6 pages)View decision -
Decision Reference DRN4325148
14 Dec 2016 Provident Personal Credit Limited UpheldBanking and creditMr D has complained about two loans taken out with Provident Personal Credit Limited, trading as Satsuma Loans (“Satsuma” or “the lender”).backgroundSatsuma agreed two loans for Mr D – one for £250 in September 2014 and a second in March 2016 for an amount of £500. Both... (2 pages)View decision -
Decision Reference DRN5715381
24 Sep 2019 Provident Personal Credit Limited UpheldBanking and creditMr C complains that Provident Personal Credit Limited (trading as Satsuma) was irresponsible to lend to him.backgroundMr C had four loans from Satsuma between January 2017 and January 2018 as follows:Loan Date AmountTermRepayment Due Repaid 124 Jan 2017£1,0003m£492.0024 Apr 2017On time23 A... (3 pages)View decision -
Decision Reference DRN2848627
6 Jun 2017 Lending Stream Limited UpheldBanking and creditMr C complains that Lending Stream LLC made short-term lending to him when it shouldn’t have.backgroundLending Stream made seven short-term loans to Mr C. He later complained that they hadn't been affordable for him.Our investigator recommended that the complaint... (3 pages)View decision -
Decision Reference DRN-4172294
6 Jun 2023 Santander UK Plc UpheldBanking and PaymentsDRN-4172294 Complaint Mr M has complained that Santander UK Plc (“Santander”) irresponsibly provided him with an overdraft which it continued applying charges on even when he was in financial difficulty. Background One of our adjudicators looked at Mr M’s complaint and thought we could loo... (3 pages)View decision
