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 DRN4963888
25 Apr 2019 PDL Finance Limited UpheldBanking and creditMr M complains that PDL Finance Limited (trading as Mr Lender) 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 M took out a £500 loan with Mr Lender i... (3 pages)View decision -
Decision Reference DRN0144059
3 May 2019 Express Finance (Bromley) Limited UpheldBanking and creditMr S complains about three loans Express Finance (Bromley) Limited (trading as Payday Express) lent to him. He says the loans were unaffordable.backgroundFrom the information Payday Express has provided, it lent Mr S loans between July 2008 and June 2016. Some of the ... (3 pages)View decision -
Decision Reference DRN4451146
5 Mar 2021 TFS Loans Limited UpheldBanking and creditMr M complains that TFS Loans Limited irresponsibly lent to him. He says better checks by TFS would have shown he was unable to afford the loan. background Mr M took out one loan with TFS on 27 October 2016. The loan was for £3,000 and was due to repaid in 24 monthly instalments of £184.38... (2 pages)View decision -
Decision Reference DRN-3270895
1 Feb 2022 Zopa Limited Not upheldConsumer CreditDRN-3270895 The complaint Mr L complains that Zopa Limited lent to him in an irresponsible manner. What happened I issued a provisional decision on this complaint in December 2021. In that decision I explained why I didn’t think the complaint should be upheld. Both parties have received a ... (2 pages)View decision -
Decision Reference DRN-2946526
12 Aug 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2946526 The complaint Ms Y says Loans 2 Go Limited lent to her irresponsibly. What happened Ms Y took out an 18-month loan for £800 on 17 May 2020. The monthly repayment was £182.84 and the total repayable was £3291.12. She says the lender did not carry out the correct checks. Our adju... (3 pages)View decision -
Decision Reference DRN-2883002
29 Oct 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2883002 The complaint Mr W says Vanquis Bank Limited acted irresponsibly when providing him with a credit card in 2009. What happened In January 2009 Mr W applied for a credit card with Vanquis. His application was approved with a limit of £250. The account defaulted in 2011 and was su... (2 pages)View decision -
Decision Reference DRN-4885880
29 Oct 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4885880 The complaint Mr M has complained Zopa Bank Limited is asking him to repay a fixed-sum loan he didn’t take out. What happened In January 2024, Mr M’s partner, Ms M, died suddenly. As Mr M was sorting out her affairs, he discovered Ms M had been gambling secretly and had take... (3 pages)View decision -
Decision Reference DRN-4907731
21 Aug 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4907731 The complaint Mr S complains that Vanquis Bank Limited (trading as Chrome Card) was irresponsible to lend to him. What happened Mr S was approved for a credit card with Vanquis on 2 July 2019. The credit limit was £1,000 and this was never changed. Mr S says that when he a... (3 pages)View decision -
Decision Reference DRN8728255
4 Oct 2016 Casheuronet UK LLC UpheldBanking and creditMr D has complained about short-term loans granted to him by Casheuronet UK LLC trading as Quick Quid (“Quick Quid” or the “lender”) between March 2010 and April 2015.backgroundThe background to the complaint was set out in my provisional decision dated 2 September 201... (6 pages)View decision -
Decision Reference DRN-3042370
15 Sep 2021 Western Circle Ltd UpheldConsumer CreditDRN-3042370 The complaint Mr H complains Western Circle Ltd trading as Cashfloat (Cashfloat) didn’t carry out sufficient affordability checks. Had it done so, then Mr H says Cashfloat wouldn’t have provided him with these loans. What happened Our adjudicator partly upheld Mr H’s complaint ... (6 pages)View decision