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 5520 results
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Decision Reference DRN-2016613
20 Jul 2021 Advancis Limited UpheldConsumer CreditDRN-2016613 The complaint Ms O complains that Advancis Limited trading as Buddy Loans agreed loans for her which were unaffordable. What happened Ms O took the following guarantor loans with Buddy Loans: Date Amount Term Monthly Repayment Purpose Loan 1 20 June 2018 £5,000 5 years £197.62 ... (6 pages)View decision -
Decision Reference DRN6504321
21 Feb 2018 Gain Credit LLC UpheldBanking and creditMr C complains about 14 instalment loans that he took out with Gain Credit, trading as Lending Stream, (“LS”). He said that LS shouldn’t have given him the loans as they were unaffordable. backgroundMr C took out 14 instalment loans with LS and these are shown below. T... (5 pages)View decision -
Decision Reference DRN-3875100
5 Jan 2023 East End Fair Finance Limited UpheldConsumer CreditDRN-3875100 The complaint Mr M complains that East End Fair Finance Limited trading as Fair Finance was irresponsible to lend to him. What happened Fair Finance agreed three loans for Mr M in 2021. The first was for £230 agreed in January, to be repaid over 6 months at £46 a month. The sec... (5 pages)View decision -
Decision Reference DRN8190376
13 Mar 2018 Ferratum UK Ltd. UpheldBanking and creditMr D has complained about 16 payday and 2 instalment loans he’s taken out with Ferratum UK Ltd (Ferratum) from October 2014 until November 2016. Mr D says the loans trapped him in a debt spiral and were also unaffordable, so he thinks Ferratum shouldn’t have them to hi... (6 pages)View decision -
Decision Reference DRN-4397242
18 Oct 2023 Evergreen Finance London Limited UpheldConsumer CreditDRN-4397242 The complaint Mr B complains Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) provided him with loans he couldn’t afford to repay. Mr B says that in order to repay the loans he had to borrow money from other loan providers. What happened Mr B was grante... (6 pages)View decision -
Decision Reference DRN6764159
19 Apr 2017 Casheuronet UK LLC UpheldBanking and creditMr C complains that CashEuroNet UK LLC (trading as QuickQuid) was irresponsible to lend money to him. backgroundMr C took out two loans, including tops ups with Quick Quid during the beginning of 2016. He also took out loans with Quick Quid in the years before thi... (2 pages)View decision -
Decision Reference DRN1875066
16 May 2014 Bank of Scotland Plc Not upheldBanking and creditThis complaint is about a mortgage Mr E holds with Bank of Scotland plc trading as Halifax. Mr E complains that he was wrongly advised to take a mortgage with a ten-year fixed rate.backgroundMr E took out the mortgage – his first – in 2008. It was an advised sale; that is, one where ... (2 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 -
Decision Reference DRN-1886671
29 Jul 2020 Valour Finance Limited UpheldConsumer CreditDRN-1886671 The complaintMr F says Valour Finance Limited – trading as Savvy.co.uk (“Savvy”) - irresponsibly lent to him. What happenedThis complaint is about two instalment loans Savvy provided to Mr F between March and May 2019. Both loans were for £750 and repayable over 15 months. The... (3 pages)View decision