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 4619 results
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Decision Reference DRN4168011
3 Nov 2017 WDFC UK Limited UpheldBanking and creditMr M complains that WDFC UK Limited, trading as wonga.com, gave him loans that he couldn’t afford to repay.BackgroundMr M took out 7 payday loans with Wonga as follows:Loan numberDateDate repaidAmount (£)Top- up loan1.3 December 201123/12/20113802.11 January 201227/1/201... (5 pages)View decision -
Decision Reference DRN-3013615
6 Dec 2021 PDL Finance Limited UpheldConsumer CreditDRN-3013615 The complaint Ms W complains that PDL Finance Limited, trading as Mr Lender, lent to her irresponsibly. What happened Using information from Mr Lender, here is a brief table of the approved loans. Loan Date Taken Date Repaid Instalments Amount Highest Repayment 1 02/06/2018 14/... (6 pages)View decision -
Decision Reference DRN2239831
30 Mar 2017 Lending Stream Llc UpheldBanking and creditMr K has complained about short-term loans granted to him by Lending Stream LLC (“Lending Stream” or “the lender”). backgroundThe background to the complaint was set out in my provisional decision dated 9 March 2017, a copy of which is attached and forms part of this fi... (5 pages)View decision -
Decision Reference DRN-3933189
17 Apr 2023 Starling Bank Limited Not upheldBanking and PaymentsDRN-3933189 The complaint Mr Y complains that Starling Bank Limited did not decrease his withdrawal limit. What happened Mr Y contacted Starling Bank on 3 February 2022 and asked to decrease his cash withdrawal limit on his account to £50, instead of £300. There was some initial confusion ... (2 pages)View decision -
Decision Reference DRN2953712
5 Jun 2018 SLL Capital Limited UpheldBanking and creditMr L’s complaint about SLL Capital Limited, trading as Safeloans, (SLL) can be summarised as follows: He believes SLL didn’t carry out robust affordability checks and lent to him irresponsibly He’s unhappy SLL obtained a Country Court Judgement (CCJ) without his kno... (8 pages)View decision -
Decision Reference DRN-3652824
17 Aug 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3652824 The complaint Miss H has complained that Madison CF UK Limited trading as 118118 Money lent to her irresponsibly. What happened Miss H borrowed £5,000 from Madison in June 2021. The loan was due to be repaid in 36 monthly instalments of about £226. The total amount repayable wa... (3 pages)View decision -
Decision Reference DRN1279648
22 Feb 2019 PDL Finance Limited Not upheldBanking and creditMr P complains that PDL Finance Limited (trading as Mr Lender) gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges and removes information about the loans from his credit file.backgroundMr P took out two instalment loans with Mr ... (2 pages)View decision -
Decision Reference DRN7085638
31 Jan 2020 Novaloans Ltd UpheldBanking and creditMr G says Novaloans Ltd (trading as Cash4unow) irresponsibly lent to him.backgroundThis complaint is about 4 instalment loans Cash4unow provided to Mr G between August 2017 and October 2018. Details of the 5 loans are as follows:LoanDate startedDate repaidInstalmentsAmountHighest repaymen... (3 pages)View decision -
Decision Reference DRN2351459
18 Apr 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr C has complained about short-term loans granted to him by CURO TRANSATLANTIC LIMITED trading as Wage Day Advance (‘Wage Day’ or ‘the lender’). backgroundWage Day agreed seven loans for Mr C between May 2015 and May 2016. The loan amounts ranged from £100 to £550 a... (4 pages)View decision -
Decision Reference DRN4319514
31 Mar 2015 Nationwide Building Society Not upheldBanking and creditMrs W complains that money has been removed from her Nationwide Building Society savings account and spent without her knowledge.backgroundIn late 2013 through to early 2014, several transfers were made from Mrs W’s Nationwide savings account. The money went to Mrs W’s... (2 pages)View decision
