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 21242 results
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Decision Reference DRN-2558484
4 Mar 2021 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2558484 The complaint Mr T says Provident Personal Credit Limited, trading as Satsuma Loans, irresponsibly lent to him. He says the loans contributed to his worsening debt situation and so Satsuma shouldn’t have lent to him. What happened This complaint is about two instalment loans Sa... (2 pages)View decision -
Decision Reference DRN-3148332
25 Feb 2022 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-3148332 The complaint Mr K complains that Moneybarn No. 1 Limited, trading as Moneybarn, irresponsibly granted him a loan he couldn’t afford to repay. What happened In January 2019, Mr K acquired a car and financed the deal through a conditional sale agreement with Moneybarn. Mr K was ... (2 pages)View decision -
Decision Reference DRN-4858636
18 Jun 2024 Madison CF UK Limited UpheldConsumer CreditDRN-4858636 The complaint Mr T complains that Madison CF UK Limited trading as 118 118 Money (“118 118”) irresponsibly agreed a loan for him. What happened 118 118 agreed a loan of £1,500 for Mr T in June 2023. The total amount owed was £2,622.96 to be repaid at £109.29 a month over 24 mon... (4 pages)View decision -
Decision Reference DRN-3058381
18 Feb 2022 Carcashpoint Limited UpheldConsumer CreditDRN-3058381 The complaint Mr K complains that CarCashPoint Limited (CCP) made an irresponsible lending decision when it provided him with a loan in 2014. What happened In October 2014, Mr K took out a loan for £2060 secured against his vehicle with an annual rate of interest of 213.82%. Th... (3 pages)View decision -
Decision Reference DRN-2968331
11 Aug 2021 Carcashpoint Limited UpheldConsumer CreditDRN-2968331 The complaint Mr W says CarCashPoint Limited lent to him irresponsibly. What happened Mr W borrowed £850 from CarCashPoint on 23 December 2014. The loan had a 156-week term, the weekly repayments were £25.07 and the total repayable was £3910.93. As Mr W was unable to make his r... (3 pages)View decision -
Decision Reference DRN-5204552
8 Jan 2025 Home Retail Group Card Services Limited Not upheldConsumer CreditDRN-5204552 The complaint Mr H complains that Home Retail Group Card Services Limited trading as Argos Card was irresponsible in its lending to him. What happened Mr H was provided with an Argos credit card in April 2020 with an initial credit limit of £1,350. The credit limit was incre... (3 pages)View decision -
Decision Reference DRN-2861922
17 Sep 2021 Morses Club PLC UpheldConsumer CreditDRN-2861922 The complaint Mr G says Morses Club PLC lent to him irresponsibly. He says that he was in a debt spiral and so he couldn’t afford the short-term loans. He says that Morses should have made better checks into his financial circumstances, found out about this and not lent to him.... (4 pages)View decision -
Decision Reference DRN-2756422
12 May 2021 Loans 2 Go Limited Not upheldConsumer CreditDRN-2756422 The complaint Miss M complains about a loan provided to her by Loans 2 Go limited, (“L2G”) which she says was unaffordable. What happened Miss M was given a single loan by Loans 2 Go. She took the loan out on 7 February 2020 for £250 and was due to repay it in 18 monthly instal... (5 pages)View decision -
Decision Reference DRN-5901424
12 Dec 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5901424 The complaint Zopa Bank Limited (Zopa) provided Mrs N with a loan of £17,000 for home improvements in 2021. Mrs N says the credit was provided irresponsibly. What happened The details of this complaint are well-known to both parties, so I won’t repeat them again here. The f... (2 pages)View decision -
Decision Reference DRN3878335
17 Oct 2017 Provident Personal Credit Limited Not upheldBanking and creditMiss M complains that Provident Personal Credit Limited failed to complete adequate affordability checks before issuing her with loans.background Miss M took out 29 loans with Provident Personal Credit Limited (Provident) between 2012 and 2016. She complained to them, earli... (2 pages)View decision