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-4105109
12 May 2023 Inclusive Finance Limited Not upheldConsumer CreditDRN-4105109 The complaint Mr U complains that Inclusive Finance limited trading as Creditspring lent irresponsible when it approved borrowing 2021 and 2022. What happened In February 2021 Mr U applied for a Creditspring membership that gave him access to a credit facility. Creditspring app... (2 pages)View decision -
Decision Reference DRN-5199818
18 Dec 2024 Inclusive Finance Limited UpheldConsumer CreditDRN-5199818 The complaint Mr M has complained that Inclusive Finance Limited trading as Creditspring (“Creditspring”) gave him a loan without properly considering his finances. Mr M says that had further checks been made Creditspring would’ve concluded he couldn’t afford to repay the re... (5 pages)View decision -
Decision Reference DRN-3216255
11 Jan 2022 Inclusive Finance Limited Not upheldConsumer CreditDRN-3216255 The complaint Mr R has complained about credit he borrowed with Inclusive Finance Limited, trading as Creditspring (‘Creditspring’). Mr R feels that the lending was irresponsible and also unaffordable. What happened The background to this complaint is well known to both Mr R an... (2 pages)View decision -
Decision Reference DRN-5060641
3 Oct 2024 Inclusive Finance Limited UpheldConsumer CreditDRN-5060641 The complaint Miss H complains that Inclusive Finance Limited trading as Creditspring was irresponsible in its lending to her. She wants all interest and charges paid refunded along with statutory interest and any negative information removed from her credit file. What happe... (4 pages)View decision -
Decision Reference DRN-3955788
9 Feb 2023 Inclusive Finance Limited UpheldConsumer CreditDRN-3955788 The complaint Mrs S complains that Inclusive Finance Limited trading as Creditspring didn’t treat her fairly when she borrowed from it. What happened Mrs S applied for membership with Creditspring in March 2022. The membership cost £8 a month and was to last for 12 months. In t... (3 pages)View decision -
Decision Reference DRN-4864099
1 Aug 2024 Inclusive Finance Limited Not upheldConsumer CreditDRN-4864099 The complaint Mrs J complains that the loan she had from Inclusive Finance Limited (trading as Creditspring) was unaffordable to her and that its poor communication resulted in the account defaulting. What happened Mrs J was approved for the following loan from Creditspring... (3 pages)View decision -
Decision Reference DRN-4003089
20 Mar 2023 Inclusive Finance Limited UpheldConsumer CreditDRN-4003089 The complaint Mr P complains Inclusive Finance Limited, trading as Creditspring, lent to him irresponsibly. What happened In January 2021 Mr P entered into a credit agreement with Creditspring. He agreed to pay a fee of £6 a month for 12 months, which entitled him to draw down ... (5 pages)View decision -
Decision Reference DRN-4145935
22 May 2023 Inclusive Finance Limited Not upheldConsumer CreditDRN-4145935 The complaint Mr F complaints that Inclusive Finance Limited trading as Creditspring (Creditspring) lent to him irresponsibly. What happened Mr F applied to be a member of Creditspring in July 2021. He passed Creditspring’s checks. Membership then included access to two loan ad... (3 pages)View decision -
Decision Reference DRN0779018
17 Feb 2018 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr C complains about four payday loans that he took out with Curo Transatlantic Limited,trading as WageDay Advance, (“WDA”). He said that WDA shouldn’t have given him theloans as they were unaffordable.backgroundMr C took out four payday loans with WDA as follows:Loan ... (5 pages)View decision
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