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 20 results
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Decision Reference DRN-4595063
28 Mar 2024 Inclusive Finance Limited Not upheldConsumer CreditDRN-4595063 The complaint Miss W says Inclusive Finance Limited, trading as Creditspring, irresponsibly lent to her. What happened In February 2022 Miss W agreed to pay a membership fee of £10 per month which allowed her to draw down two loan advances of £500 each during the 12-month term ... (3 pages)View decision -
Decision Reference DRN-4955657
8 Aug 2024 Inclusive Finance Limited Not upheldConsumer CreditDRN-4955657 The complaint Mr O complains that Inclusive Finance Limited trading as Creditspring lent irresponsibly when approving two credit facilities. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: In Novembe... (4 pages)View decision -
Decision Reference DRN-4945824
5 Aug 2024 Inclusive Finance Limited UpheldConsumer CreditDRN-4945824 The complaint Miss M complains that the loans she had from Inclusive Finance Limited (trading as Creditspring) were unaffordable to her. What happened Miss M was approved for the following loans from Creditspring between September 2022 and December 2022: Loan Date Amount T... (3 pages)View decision -
Decision Reference DRN-4853753
10 Jul 2024 Inclusive Finance Limited UpheldConsumer CreditDRN-4853753 The complaint Miss M complains Inclusive Finance Limited, trading as Creditspring, lent to her irresponsibly. What happened Miss M entered into three credit agreements with Creditspring. They worked on a membership basis, so each month Miss M paid a fee which gave her access to... (3 pages)View decision -
Decision Reference DRN-3514304
15 Jul 2022 Inclusive Finance Limited Not upheldConsumer CreditDRN-3514304 Complaint Mr L has complained about a loan Inclusive Finance Limited (trading as “Creditspring”) provided to him. He says he was already in a spiral of debt at the time. Background Creditspring provided Mr L with a loan for £250 in November 2019. This loan was due to be repaid ... (2 pages)View decision -
Decision Reference DRN-5696506
16 Jul 2025 Inclusive Finance Limited Not upheldConsumer CreditDRN-5696506 The complaint Mr S complains that Inclusive Finance Limited, trading as Creditspring, acted irresponsibly went he borrowed money from them. What happened Creditspring offer loans with a monthly membership cost rather than an interest rate. Having previously had a loan from... (4 pages)View decision -
Decision Reference DRN-4589712
20 Feb 2024 Inclusive Finance Limited Not upheldConsumer CreditDRN-4589712 The complaint Mr M’s unhappy with two loans Inclusive Finance Limited, trading as Creditspring, provided him with as he says they were unaffordable for him. What happened Creditspring provided Mr M with a loan facility for £600 in May 2023. The terms of the facility meant Mr M ... (2 pages)View decision -
Decision Reference DRN-3800965
2 Dec 2022 Inclusive Finance Limited Not upheldConsumer CreditDRN-3800965 The complaint Miss M complains that Inclusive Finance Limited trading as Creditspring lent to her irresponsibly. What happened Miss M had been provided with a loan by CreditSpring in November 2019. The loan was repaid early, and Miss M doesn’t have a complaint about that. Credi... (3 pages)View decision -
Decision Reference DRN-4742468
30 Apr 2024 Inclusive Finance Limited Not upheldConsumer CreditDRN-4742468 The complaint Miss H complains that Inclusive Finance Limited trading as Creditspring was irresponsible in its lending to her. What happened Miss H was provided with a loan in June 2022 which allowed her to draw down two advances of £250 during a 12-month term. Each advance wou... (2 pages)View decision -
Decision Reference DRN-4540610
11 Jan 2024 Inclusive Finance Limited UpheldConsumer CreditDRN-4540610 The complaint Miss B complains Inclusive Finance Limited, trading as Creditspring, lent to her irresponsibly. What happened Miss B entered into four credit agreements with Creditspring. They worked on a membership basis, so each month Miss B paid a fee which gave her access to ... (4 pages)View decision
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