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 21091 results
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Decision Reference DRN0521741
30 Sep 2020 Indigo Michael Limited UpheldBanking and creditMrs N has complained that Indigo Michael Limited lent to her irresponsibly. background and findings I issued my provisional decision on 11 September 2020 and that is attached and forms part of this final decision. Indigo Michael responded and had nothing to add. I have received nothing fro... (3 pages)View decision -
Decision Reference DRN3512218
12 Apr 2019 Casheuronet UK LLC UpheldBanking and creditMiss E says CashEuroNet UK LLC, trading as QuickQuid, lent to her irresponsibly.backgroundI sent Miss E and QuickQuid my provisional decision on 21 March 2019. A copy is attached and it forms part of this final decision. The full background to the complaint is set o... (3 pages)View decision -
Decision Reference DRN-3747410
12 Oct 2022 Progressive Money Limited UpheldConsumer CreditDRN-3747410 The complaint Ms M complains through her representative that Progressive Money Limited (PML) irresponsibly lent her money that she couldn’t afford to repay. What happened PML provided Ms M with a loan of £6,000 on 7 June 2017, repayable over 60 months at the rate of £266.25 a m... (3 pages)View decision -
Decision Reference DRN-4708497
11 Apr 2024 Madison CF UK Limited UpheldBanking and PaymentsDRN-4708497 The complaint Mr J complains that Madison CF UK Limited (trading as 118 118 Money) was irresponsible to lend to him and provided poor customer service. What happened Mr J was approved for a credit card with 118 118 Money in May 2021. This was followed by a credit limit increase... (3 pages)View decision -
Decision Reference DRN9989323
9 Oct 2019 Carcashpoint Limited UpheldBanking and creditMr B has complained about a logbook loan Carcashpoint Limited (“Carcashpoint”) provided to him. He says at the time of his application he was trapped in a debt spiral which meant that he couldn’t afford any more borrowing. And if Carcashpoint had completed thorough checks it would have kno... (11 pages)View decision -
Decision Reference DRN-5953307
20 Jan 2026 Loans 2 Go Limited Not upheldConsumer CreditDRN-5953307 The complaint Ms A complains that Loans 2 Go Limited (Loans 2 Go) lent to her irresponsibly by proving three loans that were unaffordable to her without carrying out appropriate checks. Ms A is represented by a professional third-party, but for ease, I shall refer to Ms A th... (3 pages)View decision -
Decision Reference DRN-1773299
11 Dec 2020 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-1773299 The complaint Mrs S is unhappy that Capital One (Europe) plc igave her a credit card with a credit limit of £300 in May 2018. Mrs S believes that this was an instance of irresponsible lending, as Capital One (Europe) plc did not conduct appropriate checks, which would have demo... (3 pages)View decision -
Decision Reference DRN-3145322
9 Dec 2021 Secure Trust Bank Plc Not upheldConsumer CreditDRN-3145322 The complaint Mr W complains that Secure Trust Bank Plc, trading as Moneyway, irresponsibly granted him a loan he couldn’t afford to repay. What happened In July 2014, Mr W acquired a car. He financed the deal through a hire purchase agreement with Moneyway. Mr W was required t... (2 pages)View decision -
Decision Reference DRN-3654658
15 Nov 2022 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-3654658 The complaint Ms T complains that Capital One (Europe) plc (“Capital One”) irresponsibly provided her with credit she couldn’t afford to repay. What happened Capital One approved a credit card application for Ms T in November 2021. They provided a credit limit of £200 and that ... (2 pages)View decision -
Decision Reference DRN-5153502
3 Dec 2024 Fluro Platform Limited Not upheldConsumer CreditDRN-5153502 The complaint Mr W says Fluro Platform Limited irresponsibly lent to him. What happened Mr W took out a loan for £20,000 over 60 months on 13 November 2023 for home improvements. The monthly repayments were £474.95 and the total repayable was £28,508.80. The loan is now part... (3 pages)View decision