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-4172584
11 Aug 2023 Lendable Ltd UpheldConsumer CreditDRN-4172584 The complaint Mr M complains that Lendable Ltd lent to him irresponsibly six times over three years from 2019. What happened Using information from Lendable’s records, here is a loan table of the approved loans: Loan Date taken Amount Term Monthly repayment Capital paid Mr M Da... (7 pages)View decision -
Decision Reference DRN6974166
26 Jul 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMiss M complains that CURO TRANSATLANTIC LIMITED (trading as Wage Day Advance) gave her loans that she couldn’t afford to repay. She asks that it refunds interest and charges and removes information about the loans from her credit file.backgroundMiss M took out 10 loans ... (3 pages)View decision -
Decision Reference DRN5751848
20 Sep 2018 MMP Financial Limited UpheldBanking and creditMr B complains that MMP Financial Limited (trading as Swift Sterling) was irresponsible in its lending to him.backgroundMr B took out 19 loans with Swift Sterling in 2017. He says that at the time of the loans his credit file showed that he was making use of oth... (3 pages)View decision -
Decision Reference DRN-3340370
1 Mar 2022 Oakbrook Finance Limited Not upheldConsumer CreditDRN-3340370 The complaint Mr K says Oakbrook Finance Limited (trading as Likely Loans) lent to him irresponsibly. What happened Mr K took out a 36-month instalment loan for £2,500 from Likely Loans on 25 August 2018. The monthly repayment was £132.06 and the total repayable was £4,754.16. ... (3 pages)View decision -
Decision Reference DRN2509566
17 Dec 2019 Elevate Credit International Limited UpheldBanking and creditMrs G says Elevate Credit International Limited T/A Sunny (‘Sunny’) irresponsibly lent to her.backgroundThis complaint is about five short term loans Sunny provided to Mrs G between 22 November 2016 to 1 May 2017. Mrs G’s borrowing history is as follows (I have rounded the figures for ease... (3 pages)View decision -
Decision Reference DRN-1639341
13 Jul 2020 Western Circle Ltd UpheldConsumer CreditThe complaint Mrs C complains that Western Circle Ltd (trading as Cashfloat) lent to her in an irresponsible manner. What happened Mrs C was given six loans by Cashfloat between January and May 2017. Mrs C explains that she was in financial difficulty and borrowing from other lenders and u... (3 pages)View decision -
Decision Reference DRN-3342462
18 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3342462 The complaint Mrs R has complained that AvantCredit of UK, LLC trading as AvantCredit was irresponsible in lending to her. What happened In 2017 AvantCredit provided Mrs R with a loan of £6,600 repayable over 36 months with a monthly repayment of £251.15. The loan has since bee... (3 pages)View decision -
Decision Reference DRN3985697
12 Jan 2018 Lending Stream Llc UpheldBanking and creditMr H complains that Lending Stream LLC gave him unaffordable instalment loans and changed the amount it said he owed. He wants a refund of his interest and charges and for his credit file to be amended.backgroundMr H had six loans from Lending Stream between April and... (3 pages)View decision -
Decision Reference DRN9049431
7 Jun 2017 Uncle Buck Finance LLP UpheldBanking and creditMr D complains that Uncle Buck Finance LLP gave him loans he couldn’t afford to pay back. backgroundMr D took out ten loans from Uncle Buck between June 2014 and April 2016. They ranged in size from £100 to £200. Mr D says that Uncle Buck didn’t carry out proper ... (3 pages)View decision -
Decision Reference DRN1328170
5 May 2017 Uncle Buck Finance LLP UpheldBanking and creditMrs G complains that Uncle Buck Finance LLP gave her loans that she couldn’t afford.backgroundMrs G took a total of three loans with Uncle Buck. The first, for £200, was in late February 2015. The second, for £100 was in late March 2015, and the final loan, for £... (3 pages)View decision
