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 21385 results
-
Decision Reference DRN-3363255
1 Apr 2022 Gain Credit LLC Not upheldConsumer CreditDRN-3363255 The complaint Miss V complained that Gain Credit LLC (trading as ‘Lending Stream’) provided her with unaffordable loans. What happened Miss V complained about four instalment loans she took out with Lending Stream. Here’s a table showing the main loan details: Loan No: Date Tak... (4 pages)View decision -
Decision Reference DRN-3760337
9 Nov 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3760337 Complaint Ms H has complained about a loan Madison CF UK Limited (trading as “118 118 Money”) provided to her. She says that the loan was irresponsibly lent. Background 118 118 Money provided Ms H with a first loan for £2,500.00 in November 2021. This loan was due to be repaid ... (2 pages)View decision -
Decision Reference DRN-4036245
24 Mar 2023 Madison CF UK Limited Not upheldConsumer CreditDRN-4036245 Complaint Mrs G has complained about a loan Madison CF UK Limited (trading as “118 118 Money”) provided to her. She says that the loan was irresponsibly lent. Background 118 118 Money provided Mrs G with a first loan for £3,500.00 in June 2021. This loan was due to be repaid in... (2 pages)View decision -
Decision Reference DRN-3872812
14 Mar 2023 Studio Retail Limited Not upheldConsumer CreditDRN-3872812 The complaint Mrs G has complained that Studio Retail Limited, trading as Studio, irresponsibly lent to her What happened Mrs G opened a shopping account with Studio Retail in October 2017. At that point her credit limit was £300. It was increased several times until in June 20... (2 pages)View decision -
Decision Reference DRN-4110712
9 May 2023 Madison CF UK Limited UpheldConsumer CreditDRN-4110712 Complaint Mr D has complained about a personal loan Madison CF UK Limited (trading as “118 118 Money”) provided to him. He says the loan was unaffordable and was therefore irresponsibly lent to him. Background 118 118 Money provided Mr D with a loan for £3,000.00 in March 2019.... (2 pages)View decision -
Decision Reference DRN-3388295
25 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3388295 Complaint Miss G has complained about a loan AvantCredit of UK, LLC (“Avant Credit”) provided to her. She says the loan was provided at a time when she was already struggling and couldn’t afford the payments. Background Avant Credit provided Miss G with a loan for £1,000.00 in ... (2 pages)View decision -
Decision Reference DRN-3672082
5 Oct 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3672082 The complaint Miss E says Barclays Bank UK PLC trading as Barclaycard irresponsibly lent to her. What happened Miss E’s complaint is about a credit card account provided by Barclays. The account was opened in September 2021. Miss E was given an initial credit limit of £800. Mis... (2 pages)View decision -
Decision Reference DRN-5900475
26 Nov 2025 BMW Financial Services (GB) Limited Not upheldConsumer CreditDRN-5900475 The complaint Mr S complains that BMW Financial Services (GB) Limited (which I’ll refer to as “Alphera”) unfairly ended his hire purchase agreement when he was temporarily unable to make full repayments. What happened In February 2024 Mr S entered into a three-year hire purc... (2 pages)View decision -
Decision Reference DRN-2783958
19 Jun 2021 Loans 2 Go Limited Not upheldConsumer CreditDRN-2783958 The complaint Mr C has complained about the cost of a loan he took from Loans 2 Go Limited (Loans2Go). He says the rate of interest being charged is too high and that Loans2Go has taken advantage of him. What happened Mr C applied online in January 2020 for a loan of £870. This... (2 pages)View decision -
Decision Reference DRN-3804972
2 Dec 2022 Salary Finance Loans Limited Not upheldConsumer CreditDRN-3804972 The complaint Mr K says Salary Finance Loans Limited, trading as Salary Finance, irresponsibly lent to him. What happened Mr K took out a loan from Salary Finance on 19 July 2018 for £5,500 over 36 months. The monthly repayment was £199.63 and the total repayable was £7,186.69.... (2 pages)View decision