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 29 results
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Decision Reference DRN-5891502
4 Feb 2026 Inclusive Finance Limited Not upheldConsumer CreditDRN-5891502 The complaint Mr C complains that Inclusive Finance Limited trading as Creditspring lent to her irresponsibly. What happened Here is a table giving brief details of the lending. Loan Approved Amount Repayment (rounded & monthly) 1 23 November 2021 £500 £42 plus fee £8 2 ... (2 pages)View decision -
Decision Reference DRN-6100239
23 Jan 2026 Inclusive Finance Limited UpheldConsumer CreditDRN-6100239 The complaint Mr W complains that Inclusive Finance Limited trading as Creditspring (Creditspring) acted irresponsibly when they agreed to lend to him. What happened In March 2021 Mr W entered into a Fixed Sum loan agreement with Creditspring for £500. He agreed to pay a fee... (4 pages)View decision -
Decision Reference DRN-5847289
14 Jan 2026 Inclusive Finance Limited UpheldConsumer CreditDRN-5847289 The complaint Miss M complains Inclusive Finance Limited trading as Creditspring lent to her when she could not afford to repay the credit. What happened Miss M agreed to the first advance of credit on 5 May 2023. There was a second advance in June 2024. These were both cred... (3 pages)View decision -
Decision Reference DRN-5818516
16 Sep 2025 Inclusive Finance Limited UpheldConsumer CreditDRN-5818516 The complaint Miss I complains Inclusive Finance Limited, trading as Creditspring, lent to her irresponsibly. What happened Miss I entered into two credit agreements with Creditspring. They worked on a membership basis, so each month Miss I paid a fee which gave her access ... (3 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-6146239
13 Feb 2026 Inclusive Finance Limited UpheldConsumer CreditDRN-6146239 The complaint Ms M complains that Inclusive Finance Limited trading as Creditspring was irresponsible in its lending to her. She wants all fees paid refunded and any adverse information recorded on her credit file removed. Ms M also wants compensation for the distress and in... (6 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-6002299
17 Dec 2025 Inclusive Finance Limited Not upheldConsumer CreditDRN-6002299 The complaint Miss P has complained that Inclusive Finance Limited trading as Creditspring (“Creditspring”) gave her credit without properly considering her finances. What happened Miss P was granted a number of fixed sum credit agreements that potentially allowed her to dr... (7 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 -
Decision Reference DRN-4554209
11 Jan 2024 Inclusive Finance Limited UpheldConsumer CreditDRN-4554209 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