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 5204 results
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Decision Reference DRN-2930522
20 Jul 2021 Carcashpoint Limited Not upheldConsumer CreditDRN-2930522 The complaint Mr H complains about two logbook loans provided to him by CarCashPoint limited, (“CarCashPoint”) which he says were unaffordable. What happened CarCashPoint provided Mr H with ‘log book’ loans. These loans were granted on the basis that Mr H provided CarCashPoint ... (3 pages)View decision -
Decision Reference DRN9288635
7 Aug 2020 Loans 2 Go Limited UpheldBanking and creditMr O complains that Loans 2 Go Limited lent to him in an irresponsible manner.backgroundLoans 2 Go gave one loan to Mr O. He borrowed £300 in May 2018 and was due to repay the loan in 18 monthly instalments of £67.97. Mr O fell into financial difficulties before making any repayments on hi... (3 pages)View decision -
Decision Reference DRN2400972
15 Mar 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr M complains that Curo Transatlantic Limited (trading as Wage Day Advance) (“Wage Day”) gave him loans that put him in financial difficulties. backgroundMr M took out the following loans with Wage Day: £100 on 13 June 2011, repaid on 30 June 2011 £250 on 4 July... (3 pages)View decision -
Decision Reference DRN7862056
4 Apr 2017 Instant Cash Loans Limited UpheldBanking and creditMr A complains that Instant Cash Loans Limited (trading as Payday Express) gave him three short-term instalment loans that he couldn’t afford to repay.backgroundMr A borrowed three short-term instalment loans between 18 March 2015 and 28 October 2015 from Instant Cash Loan... (3 pages)View decision -
Decision Reference DRN0568690
22 Aug 2016 Uncle Buck Finance LLP UpheldBanking and creditMr H complains that Uncle Buck Finance LLP didn’t carry out checks to see if he could afford to repay the payday loans it gave him. He wants the remaining debt written off and the default marker removed from his credit records.backgroundMr H took out four payday loa... (3 pages)View decision -
Decision Reference DRN-4916195
6 Aug 2024 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-4916195 The complaint Mr B complains that Mitsubishi HC Capital UK PLC trading as Novuna Personal Finance irresponsibly lent to him. What happened Mr B was approved for two personal loans with Novuna (one for £10,000 in October 2022, and one for £5,000 in April 2023). He says these ... (3 pages)View decision -
Decision Reference DRN-4440706
26 Feb 2024 Blue Motor Finance Ltd Not upheldConsumer CreditDRN-4440706 Complaint Mr D complains that Blue Motor Finance Ltd (“BMF”) unfairly entered into a hire-purchase agreement with him. He’s said that the agreement was unaffordable. Background In April 2019, BMF provided Mr D with finance for a used car. The cash price of the vehicle was £10,5... (3 pages)View decision -
Decision Reference DRN1122668
10 Feb 2020 Gain Credit LLC Not upheldBanking and creditMr M complains that Gain Credit LLC (trading as Lending Stream) irresponsibly gave him loans he couldn’t afford to pay back.backgroundLending Stream gave Mr M 4 loans between September 2016 and April 2017. There was a break in the lending of about six months between repaying loan 1 and tak... (3 pages)View decision -
Decision Reference DRN5876476
4 Jul 2018 Elevate Credit International Limited Not upheldBanking and creditMr S complains that Elevate Credit International Limited (trading as Sunny) gave him loans that he couldn’t afford to repay.backgroundMr S was given four loans by Sunny between May 2016 and July 2017. His last three loans were each repayable in six monthly instalments.... (3 pages)View decision -
Decision Reference DRN7220774
30 Oct 2015 Nationwide Building Society UpheldBanking and creditMr K complains that Nationwide Building Society (“Nationwide”) didn’t make clear the nature of the free foreign usage allowance on his credit card. And the society didn’t tell him that the account must be in credit for the allowance amount, or more, to enable its us... (3 pages)View decision
