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 DRN3518189
5 Apr 2018 CURO TRANSATLANTIC LIMITED Not upheldBanking and creditMr H complains that CURO Transatlantic Limited trading as WageDay Advance (“WDA”) gave him loans that he couldn’t afford to repay.backgroundMr H was given four loans by WDA between June and December 2016. Mr H’s first loan was repayable in four equal monthly instalment... (3 pages)View decision -
Decision Reference DRN7130574
11 Apr 2017 MEM Consumer Finance Limited UpheldBanking and creditMr R complains that MEM Consumer Finance Limited (trading as Payday UK) gave him unaffordable payday loans.backgroundMr R had 12 loans from Payday UK between September 2011 and July 2013. He said he was borrowing increasing amounts from other short-term lenders and he cou... (3 pages)View decision -
Decision Reference DRN8398167
17 Oct 2018 MEM Consumer Finance Limited UpheldBanking and creditMr P complains that MEM Consumer Finance Limited (trading as Payday UK) was irresponsible when it offered him loans. He asks that it refunds interest.backgroundMr P took out 19 loans between May 2009 and February 2015. The adjudicator recommended that the complaint shoul... (3 pages)View decision -
Decision Reference DRN-3392888
29 Mar 2022 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-3392888 Complaint Mr B has complained that The Royal Bank of Scotland Plc (“RBS”) irresponsibly provided him with an overdraft which it continued applying charges on even when he was in financial difficulty. Background and my provisional decision of 11 March 2022 One of our investigato... (3 pages)View decision -
Decision Reference DRN-5772179
15 Oct 2025 Fairscore Ltd Not upheldConsumer CreditDRN-5772179 The complaint Miss A complains that Fairscore Ltd trading as Updraft was irresponsible in its lending to her. What happened Miss A was provided with an £11,000 loan by Updraft in October 2024. The loan term was 49 months, and Miss A was required to make monthly repayments of... (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
