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 4630 results
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Decision Reference DRN-3423311
7 Apr 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3423311 The complaint Mr B complains about two personals loan provided to him by Loans 2 Go limited, (“L2G”) which he says were unaffordable. What happened L2G provided Mr B with two loans. The details are given below: Number Date taken amount term Monthly repayment Repaid 1 15/10/2020... (4 pages)View decision -
Decision Reference DRN-4358139
4 Oct 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4358139 The complaint Mr H complained to Barclays Bank UK PLC (“Barclays”) in August 2022 about an increased overdraft facility that was granted to him in March 2022. Mr H says Barclays acted irresponsibly in providing him with the increased overdraft facility, that it was unaffordable... (3 pages)View decision -
Decision Reference DRN-4252932
6 Nov 2023 Brent Shrine Credit Union Limited Not upheldConsumer CreditDRN-4252932 Complaint Mr H has complained about a loan Brent Shrine Credit Union Limited trading as My Community Bank (“MCB”) provided to him. He says that he had historic issues with debt and gambling which would have been apparent had sufficient checks for a loan of such a large amount b... (3 pages)View decision -
Decision Reference DRN6122179
23 Jan 2019 Barclays Bank UK PLC Not upheldBanking and creditMs M complains that Barclays Bank UK PLC irresponsibly granted her an overdraft facility.backgroundMs M says Barclays shouldn’t have granted her an overdraft in December 2012. She says at that time she had a poor credit record and payday loans. She’d also just co... (2 pages)View decision -
Decision Reference DRN8838061
21 Jun 2018 PDL Finance Limited UpheldBanking and creditMr D says PDL Finance Limited, trading as Mr Lender, gave him loans he couldn’t afford to repay. He says these loans trapped him into a spiral of debt and that Mr Lender should’ve known he was struggling financially.backgroundI issued my provisional decision on this case... (3 pages)View decision -
Decision Reference DRN0229489
13 Apr 2018 Gain Credit LLC Not upheldBanking and creditMr H complains that Gain Credit LLC (trading as Lending Stream) lent him money that he couldn’t afford to repay.Mr H is represented in his complaint by a claims management company.backgroundMr H took out six loans with Lending Stream between January and September 2015.... (3 pages)View decision -
Decision Reference DRN0140887
15 Oct 2018 Uncle Buck Finance LLP UpheldBanking and creditMr J complains that loans he had from Uncle Buck Finance LLP were unaffordable.backgroundMr J had five loans from Uncle Buck between 9 January 2015 and 1 June 2015 as follows:LoanDateAmountTermMonthly RepaymentDueSettled19 Jan 2015£30020d£348.0028 Jan 2015On time231 Jan... (3 pages)View decision -
Decision Reference DRN2060087
8 Nov 2017 Emergency Cash Limited UpheldBanking and creditMiss L complains that Emergency Cash Limited (trading as wizzcash) gave her loans that she couldn’t afford to repay. She asks that it refunds interest and charges.backgroundMiss L took out an instalment loan with wizzcash in January 2017. The loan was repayable in three ... (2 pages)View decision -
Decision Reference DRN8455447
2 May 2018 WDFC UK Limited Not upheldBanking and creditMrs K complains that WDFC UK Limited (trading as Wonga.com) didn’t do proper checks before approving her loan applications.backgroundMrs K had two instalment loans from Wonga between May 2017 and August 2017 as follows:LoanDateAmountTermInstalmentRepaidStatus111 May 2017£50... (2 pages)View decision -
Decision Reference DRN6235962
14 Jul 2017 Casheuronet UK LLC UpheldBanking and creditMr R has complained about loans granted to him by CashEuroNet UK LLC (trading as both “Quick Quid” and as “Pounds to Pocket”). He’s said they were unaffordable for him.backgroundCashEuroNet says it agreed 28 loans for Mr R (as Quick Quid) during the period August 2009 ... (7 pages)View decision
