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 DRN8110457
21 Jun 2018 Nextcredit Limited Not upheldBanking and creditMr F complains that Nextcredit Limited gave him loans he couldn’t afford to repay.backgroundMr F took out the following loans with Nextcredit:date£ amount borrowed/no./amount of repaymentsdate repaid110 November 20161902/ c.12030 December 2016213 February 20173004/ c.11523 ... (3 pages)View decision -
Decision Reference DRN9440682
10 Jul 2017 Lloyds Bank PLC Not upheldBanking and creditMrs T complains that Lloyds Bank PLC refuses to refund more than 100 disputed cash machine withdrawals. Mrs T says Lloyds is holding her liable for the transactions which she says she didn’t make.backgroundIn June 2014, Mrs T inherited a very large sum of money and ... (2 pages)View decision -
Decision Reference DRN6918894
16 Mar 2020 Avantcredit Of Uk, Llc Not upheldBanking and creditMr G says AvantCredit of UK, LLC (AvantCredit) acted unfairly when it lent him money in 2015.backgroundIn September 2015, AvantCredit lent Mr G £2,000, which Mr G agreed to repay, with interest, over 35 months. The monthly instalment was £116.95, so if Mr G made all the payments on time he... (2 pages)View decision -
Decision Reference DRN-3287085
3 Jun 2022 Specialist Motor Finance Limited UpheldConsumer CreditDRN-3287085 The complaint Mr A complains that Specialist Motor Finance Limited (“SMF”) irresponsibly granted him a loan he couldn’t afford to repay. What happened In February 2019, Mr A acquired a car and financed the deal through a hire purchase agreement with SMF. Mr A was required to ma... (2 pages)View decision -
Decision Reference DRN-3119559
4 Jan 2022 TFS Loans Limited UpheldConsumer CreditDRN-3119559 The complaint Mr R complained that TFS Loans Limited lent to him irresponsibly and provided him with loans that were unaffordable. What happened TFS provided loans to Mr R as follows: Loan Date of loan Loan amount Term (months) Monthly repayment Interest (APR) Total amount 1 06... (5 pages)View decision -
Decision Reference DRN8344042
30 Aug 2019 Casheuronet UK LLC UpheldBanking and creditMr S complains that CashEuroNet UK LLC, trading as QuickQuid, was irresponsible when it provided a number of loans to him.backgroundMr S took seven loans with QuickQuid between June 2016 and September 2017. This table contains some of the information QuickQuid has provided about Mr S’s loa... (5 pages)View decision -
Decision Reference DRN-4727579
11 Sep 2024 Tandem Home Loans Ltd UpheldMortgagesDRN-4727579 The complaint Mr C says that a secured (second charge) loan he took out in October 2021 with Tandem Home Loans Ltd (previously known as Oplo HL Ltd) was unaffordable and irresponsibly lent. What happened Mr C bought the property in January 2021 for £105,000, taking a first c... (5 pages)View decision -
Decision Reference DRN9449139
15 May 2017 Casheuronet UK LLC Not upheldBanking and creditMr F complains that CashEuroNet UK LLC (trading as Quick Quid) gave him short-term loans which were unaffordable. background Mr F took 11 loans with Quick Quid over an 18 month period as follows:Loan DateLoan amount (£)Rollover date(s)Repaid date119/04/2012 40027/04/... (5 pages)View decision -
Decision Reference DRN-2339534
29 Dec 2020 Loans 2 Go Limited UpheldConsumer CreditDRN-2339534 The complaint Mr A has complained that Loans 2 Go Limited lent to him irresponsibly. He’s also complained about the level of interest that was charged on his loans. What happened Mr A was given five loans by Loans2Go between in June 2015 and June 2019. I understand the first fo... (5 pages)View decision -
Decision Reference DRN-2902330
30 Jun 2021 Advancis Limited UpheldConsumer CreditDRN-2902330 The complaint Mr B complained that Advancis Limited trading as Buddy Loans lent to him irresponsibly. What happened Mr B took out a loan with Buddy Loans as follows: Loan Date Amount Term Monthly repayment 1 06/06/17 £4,000 48 months £171.10 Mr B brought his complaint to us whe... (5 pages)View decision