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 DRN-3442892
27 Apr 2022 Carcashpoint Limited UpheldConsumer CreditDRN-3442892 The complaint Mr F complains about three logbook loans provided to him by CarCashPoint limited, (“CarCashPoint”) which he says were unaffordable. What happened CarCashPoint provided Mr F with ‘log book’ loans. These loans were granted on the basis that Mr F provided CarCashPoin... (3 pages)View decision -
Decision Reference DRN-3299439
9 May 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3299439 The complaint Mr C says Loans 2 Go Limited irresponsibly lent to him. What happened This complaint is about 3 loans provided by Loans 2 Go to Mr C between August 2019 and July 2020. Mr C’s borrowing history is as follows: Loan Date taken Amount Term Repayment 1 August 2019 £500... (3 pages)View decision -
Decision Reference DRN-5171041
26 Nov 2024 Salad Finance Limited UpheldConsumer CreditDRN-5171041 The complaint Mr R says Salad Finance Limited, trading as Salad Money, irresponsibly lent to him. What happened Mr R took out a loan for £1,000 over 18 months on 23 June 2024. The monthly repayments were £85.39 and the total repayable was £1,536.38. Mr R says the loan was un... (3 pages)View decision -
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 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-5761246
26 Jan 2026 Lendable Ltd Not upheldConsumer CreditDRN-5761246 The complaint Mr R complains that Lendable Limited was irresponsible in its lending to him and that he was not adequately assessed for the credit. What happened Mr R applied for credit with Lendable and had a loan approved as follows: Date Amount of Credit APR Loan Term Mon... (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-3043810
13 Oct 2021 Everyday Lending Limited Not upheldConsumer CreditDRN-3043810 The complaint Miss O complains that Everyday Lending Limited (“ELL”) lent to her in an irresponsible manner. What happened I issued a provisional decision on this complaint in August 2021. In that decision I explained why I didn’t think the complaint should be upheld. Both part... (3 pages)View decision -
Decision Reference DRN5647305
15 Jan 2014 Bank of Scotland Plc Not upheldInsurance (excluding PPI)Mr and Mrs L are unhappy as they feel their buildings and contents insurance policy was mis-sold to them. The policy was sold by Bank of Scotland plc.backgroundMr and Mrs L made a claim following a burglary at their home. When they made the claim they say they became aware of the policy... (2 pages)View decision -
Decision Reference DRN-3550779
18 Jun 2022 UK Credit Limited Not upheldConsumer CreditDRN-3550779 The complaint Miss L has complained that UK Credit Limited lent to her irresponsibly. What happened Miss L was given a guarantor loan of £5,000 in November 2018. The loan was repayable over 36 months with monthly repayments of around £252. If the loan ran to term, the total amo... (3 pages)View decision