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 DRN-2895527
29 Jun 2021 TFS Loans Limited UpheldConsumer CreditDRN-2895527 The complaint Mr P says TFS Loans Limited lent to him irresponsibly. What happened Mr P took out a guarantor loan from TFS in December 2015. It was for £7,500 over 60 months. The monthly repayment was £270.25 and the total repayable was £16755. Mr P says he was given a loan he ... (3 pages)View decision -
Decision Reference DRN-5038043
15 Oct 2024 Madison CF UK Limited UpheldConsumer CreditDRN-5038043 The complaint Mr M says Madison CF UK Limited, trading as 118 118 Money, irresponsibly lent to him What happened Mr M took out a loan for £3,000 over 12 months from 118 118 Money. The monthly repayments were £335.18 and the total repayable was £4,022.16. Mr M says he spent a... (3 pages)View decision -
Decision Reference DRN2965320
13 Aug 2018 Casheuronet UK LLC UpheldBanking and creditMr C complains that CashEuroNet UK LLC, trading as QuickQuid, was irresponsible to give him loans that he couldn’t afford to pay back.backgroundMr C borrowed three times from QuickQuid. He deferred repayment twice and topped up two of the loans as follows:loan numb... (3 pages)View decision -
Decision Reference DRN-2030239
13 Aug 2020 Gain Credit LLC Not upheldConsumer CreditDRN-2030239The complaintMr S complains Gain Credit LLC (“Lending Stream”) lent him money he couldn’t afford to repay. What happenedMr S took out an instalment loan with Lending Stream. The details for this loan are:Dateamountinstalmentsmonthly repayment Repayment date12 January 2012£2956up... (3 pages)View decision -
Decision Reference DRN-3662836
23 Aug 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3662836 The complaint X has complained that the overdraft facility on his HSBC UK Bank Plc (“HSBC”) account was unaffordable and the charges applied to it have left him in persistent debt. What happened X complained to HSBC regarding the affordability of his overdraft and that the char... (3 pages)View decision -
Decision Reference DRN-2569704
8 Mar 2021 Lendable Ltd Not upheldConsumer CreditDRN-2569704 Complaint Mr P has complained about a loan Lendable Limited (“Lendable”) provided to him. He says the loan was unaffordable. Background Lendable provided Mr P with a loan of £1,000.00 in June 2019. This loan was due to be repaid in 35 monthly instalments of £37.09 and a final i... (2 pages)View decision -
Decision Reference DRN3584047
25 Apr 2018 Provident Personal Credit Limited Not upheldBanking and creditMr H complains that Provident Personal Credit Limited (trading as Satsuma Loans) gave him instalment loans he couldn’t afford. He wants a refund of his interest and charges, with interest, and his credit file amended.background Mr H had six loans from Satsuma between Oc... (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 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