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-3103551
8 Nov 2021 Madison CF UK Limited Not upheldConsumer CreditDRN-3103551 The complaint Miss M complains that Madison CF UK Limited (“118 118 Money”) lent to her in an irresponsible manner. What happened Miss M was given a loan by 118 118 Money. It was for £1000 and was due to be repaid over 24 months. Miss M took this loan out in June 2016 and the m... (3 pages)View decision -
Decision Reference DRN-2468719
30 Dec 2020 Provident Personal Credit Limited UpheldConsumer CreditDRN-2468719 The complaint Mr V complained about a number of loans he took out through a company called Provident Personal Credit Limited, trading as Satsuma. Mr V says he was lent to irresponsibly and the loans caused him financial problems. To keep things simple, I’ll refer mainly to “Sat... (3 pages)View decision -
Decision Reference DRN-2309299
28 Jan 2021 Amigo Loans Ltd UpheldConsumer CreditDRN-2309299 The complaint Mr M complains that Amigo Loans Ltd lent to him in an irresponsible manner. What happened Mr M was given two loans by Amigo in February and June 2018. His first loan, for £4,000, was repaid around a month into the planned three-year term. His second loan, for £7,5... (3 pages)View decision -
Decision Reference DRN7831093
30 Mar 2016 Stagemount Limited UpheldBanking and creditMr H complains that Stagemount Limited trading as Quid Market (Quid Market) lent to him irresponsibly. backgroundBetween October 2013 and July 2014 Mr H took out around ten pay day loans with Quid Market. He said at the time he was struggling financially. He said ha... (3 pages)View decision -
Decision Reference DRN-3997564
17 Apr 2023 FirstRand Bank Limited UpheldConsumer CreditDRN-3997564 The complaint Mr B complains that FirstRand Bank Limited, trading as Motonovo Finance (“Motonovo”), irresponsibly granted him a hire purchase agreement he couldn’t afford to repay. What happened In November 2016, Mr B acquired a used car financed by a hire purchase agreement fr... (3 pages)View decision -
Decision Reference DRN3692567
2 May 2019 Instant Cash Loans Limited UpheldBanking and creditMr E complains that Instant Cash Loans Limited (trading as PaydayUK) lent him money that he couldn’t afford to repay.Mr E wants PaydayUK to refund the interest and charges that he paid and remove the loans from his credit file.backgroundMr E took out five instalment l... (3 pages)View decision -
Decision Reference DRN-4922380
20 Aug 2024 Lendable Ltd Not upheldConsumer CreditDRN-4922380 The complaint Miss C complains that Lendable Ltd lent irresponsibly when it approved her loan application. What happened Mss C applied for a debt consolidation loan with Lendable in May 2021 for £20,000 plus interest and fees. In her application, Miss C says she was renting ... (3 pages)View decision -
Decision Reference DRN-2148507
7 Oct 2020 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-2148507 The complaint X complains that Tesco Personal Finance PLC trading as Tesco Bank (“Tesco”) unfairly applied a cash transaction fee to a purchase he made on his credit card. What happened Earlier this year, X bought some commemorative coins online and paid using his Tesco credit ... (3 pages)View decision -
Decision Reference DRN-4342058
4 Dec 2023 TSB Bank plc Not upheldBanking and PaymentsDRN-4342058 The complaint Mr B is unhappy that TSB Bank Plc rejected his application for a new current account, despite being an existing customer. What happened Mr B held a current account with TSB. He was experiencing issues with applying gambling blocks on his account using the banking ... (3 pages)View decision -
Decision Reference DRN-1847472
6 Jul 2020 Provident Personal Credit Limited Not upheldConsumer CreditThe complaint Mr K complains that Provident Personal Credit Limited, trading as Satsuma, lent to him in an irresponsible manner. What happened In October 2016, Satsuma gave Mr K a loan of £300. The loan was repayable in 30 weekly instalments of £19.90. Mr K says that Satsuma shouldn’t have... (3 pages)View decision
