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
-
Decision Reference DRN5236888
23 Oct 2018 Gain Credit LLC Not upheldBanking and creditMr H complains that Gain Credit LLC (trading as Lending Stream) gave him loans that he couldn’t afford to repay.backgroundMr H was given three loans by Lending Stream between April and September 2015. Each of the loans was repayable in six monthly instalments. Mr H ... (2 pages)View decision -
Decision Reference DRN9665370
30 Jul 2018 Express Finance (Bromley) Limited Not upheldBanking and creditMr C complains that Express Finance (Bromley) Limited (trading as Payday Express) gave him loans that he couldn’t afford to repay.backgroundMr C was given seven loans by Payday Express between March 2014 and February 2015. In addition Mr C topped up his second loan... (3 pages)View decision -
Decision Reference DRN2730255
6 Jun 2019 Valour Finance Limited Not upheldBanking and creditMr P says Valour Finance Limited, trading as Savvy.co.uk, lent to him irresponsibly.backgroundMr P took out a loan with Valour Finance in January 2017. He borrowed £2,000 and was scheduled to repay it in 18 monthly instalments of about £222. Mr P actually settled the l... (3 pages)View decision -
Decision Reference DRN6353485
11 Sep 2017 WDFC UK Limited UpheldBanking and creditMr G complains that WDFC UK Limited (trading as Wonga) gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges and removes information about the loans from his credit file.backgroundMr G took out 16 loans with Wonga between June ... (2 pages)View decision -
Decision Reference DRN8417576
19 Sep 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr S complains that Curo Transatlantic Limited trading as Wage Day Advance (WDA) lent him unsuitable payday loans. He wants a refund of his interest and for his credit file to be amended. backgroundMr S took out eight loans from WDA between May 2013 and January 2017.... (2 pages)View decision -
Decision Reference DRN7317263
23 Sep 2016 Cfo Lending Limited UpheldBanking and creditMr N has complained about short-term loans granted to him by Cfo Lending Limited (“Cfo” or “the lender”).backgroundCfo agreed four short-term loans for Mr N over the period January to March 2013. Mr N says these loans were unaffordable for him and that Cfo would have k... (2 pages)View decision -
Decision Reference DRN-3127580
17 Nov 2021 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-3127580 The complaint Mr T complains that Moneybarn No. 1 Limited irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In February 2016, Mr T acquired a used car financed by a conditional sale agreement from Moneybarn. Mr T was required to m... (2 pages)View decision -
Decision Reference DRN1258143
20 Jan 2017 Express Finance (Bromley) Limited UpheldBanking and creditMiss L complains that Express Finance (Bromley) Limited (trading as Payday Express) wasirresponsible to lend money to her.backgroundFrom what I’ve seen, Miss L took out two payday loans with Payday Express.The first, for £200, was taken on 1 February 2013. Miss L de... (3 pages)View decision -
Decision Reference DRN4213702
14 Nov 2017 Lending Stream Llc Not upheldBanking and creditMr H complains that Lending Stream LLC lent money to him that he could not afford to repay.background Mr H took out 12 loans with Lending Stream. He says that at the time of the loans he was making use of other payday lenders and that his debt became unmanageable. ... (3 pages)View decision -
Decision Reference DRN5584438
10 May 2017 Instant Cash Loans Limited UpheldBanking and creditMr F complains that Instant Cash Loans Limited (trading as Payday UK) gave him loans that he couldn’t afford to repay.backgroundMr F borrowed a total of 30 times from Payday UK. His first loan was taken in September 2010 and his last in July 2015. But Instant Cash L... (3 pages)View decision