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 DRN0144389
1 May 2019 Cash On Go Limited Not upheldBanking and creditMr B complains that Cash on Go Limited trading as Peachy.co.uk was irresponsible to lend to him.Mr B wants Peachy to pay him compensation and amend his credit file.backgroundMr B took out five loans with Peachy:No.Date of loanAmount borrowedInstalmentsMaximum monthly ... (4 pages)View decision -
Decision Reference DRN-2440003
17 Dec 2020 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-2440003 The complaint Mr Y believes AvantCredit of UK, LLC acted irresponsibly by agreeing a loan he’d applied for. What happened In March 2016 Mr Y took out a £2,000 loan with Avantcredit, to be repaid over 12 months with repayments of £211.90 a month. This loan was repaid in June 20... (3 pages)View decision -
Decision Reference DRN5149788
7 Jun 2018 Gain Credit LLC UpheldBanking and creditMr M complains Gain Credit LLC (trading as Lending Stream) lent to him irresponsibly.backgroundThe background to this complaint, and my initial findings on it, can be found in my provisional decision, which is attached to and forms a part of this final decision.Lend... (6 pages)View decision -
Decision Reference DRN8700351
11 Apr 2018 Casheuronet UK LLC UpheldBanking and creditMr W complains that CashEuroNet UK LLC (trading as QuickQuid) gave him loans which he couldn’t afford.backgroundMr W took 45 loans from December 2011 to February 2017. Most were repayable within a month or by Mr W’s next payday. Some repayment periods were longer th... (10 pages)View decision -
Decision Reference DRN2990032
14 Aug 2019 UK Credit Limited UpheldBanking and creditMr B and Miss V have complained that UK Credit Limited (“UK Credit”) irresponsibly provided Mr B with an unaffordable guarantor loan. They say that Mr B shouldn’t have been given the loan as he was already in the midst of increasing debt, bank charges, payday loans, late payments, defaults... (12 pages)View decision -
Decision Reference DRN6870493
5 Jun 2019 Casheuronet UK LLC UpheldBanking and creditMr M complains that CashEuroNet UK LLC (trading as QuickQuid) lent to him irresponsibly.backgroundMr M took out a total of nine loans with QuickQuid between September 2014 and January 2017. Loan numberBorrowing dateRepayment dateLoan amount 125.09.1417.10.14£100220.10.1414.... (3 pages)View decision -
Decision Reference DRN0960961
3 Apr 2019 MEM Consumer Finance Limited Not upheldBanking and creditMr C complains that MEM Consumer Finance Limited (trading as Payday UK) gave him loans that were unaffordable.backgroundDuring 2009 and 2010 Mr C borrowed three payday loans from Payday UK, as follows: LoanAmount Date of loanDate repaid 1£1008.10.0916.11.09 2£20021.12.0916... (3 pages)View decision -
Decision Reference DRN-1299018
10 Jul 2020 Valour Finance Limited UpheldConsumer CreditDRN-1299018 The complaintMiss H complains that the three loans she was approved for by Valour Finance Limited (Valour) were lent irresponsibly. What happenedUsing information from Valour a brief loan table is here. Loans 1 and 2 were instalment loans for 12 months and Loan 2 was for 18 mo... (3 pages)View decision -
Decision Reference DRN-3273707
31 Jan 2022 HSBC UK Bank Plc UpheldConsumer CreditDRN-3273707 Complaint Miss S has complained that HSBC UK Bank Plc (“HSBC”) irresponsibly provided her with a personal loan. Background Miss S has also complained about having been provided with an overdraft and credit card. But we’ve already explained that we’re looking at that complaint s... (3 pages)View decision -
Decision Reference DRN1794243
10 May 2019 Stagemount Limited UpheldBanking and creditMr G says Stagemount Limited (trading as Quid Market) irresponsibly lent to him and then didn’t treat him positively and sympathetically when he was unable to repay his loan.backgroundThis complaint is about a payday loan Quid Market provided to Mr G on 25 March ... (3 pages)View decision