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 4727 results
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Decision Reference DRN7490632
22 Jun 2018 MYJAR Limited Not upheldBanking and creditMiss C complains that MYJAR Limited gave her a loan she couldn’t afford to repay.backgroundIn early March 2016, Miss C borrowed £200 from MYJAR. The loan was repayable in three monthly instalments of £105. In late March 2016, Miss C told MYJAR that she was about ... (2 pages)View decision -
Decision Reference DRN1374134
11 May 2018 MYJAR Limited Not upheldBanking and creditMr B complains that MYJAR Limited gave him loans that he couldn’t afford to repay.backgroundMr B was given two loans by MYJAR. Both his loans were scheduled to be repaid in six monthly instalments. The first loan, for £650, was taken in April 2017. Mr B repaid t... (2 pages)View decision -
Decision Reference DRN4454148
20 Apr 2018 Instant Cash Loans Limited UpheldBanking and creditMr B complains that the loans he took out with Instant Cash Loans Limited (trading as Payday UK) were unaffordable.backgroundMr B had seven loans from Payday UK between June 2015 and February 2017 as follows:Loan Date AmountTermRepayment Due Repaid115 Jun 2015£2002m£140.2... (3 pages)View decision -
Decision Reference DRN7966306
30 Oct 2018 Active Securities Limited UpheldBanking and creditMiss B says Active Securities Limited, trading as 247 Money Box, lent to her irresponsibly.backgroundMiss B had six loans with 247 Money Box. I’ve set out some of the details 247 Money Box provided about the loans in the table below.Loan no.Approved dateRepaid d... (3 pages)View decision -
Decision Reference DRN7306431
20 May 2015 Barclays Bank Plc Not upheldBanking and creditMr R complains that Barclays Bank Plc approved two personal loan applications that he made in 2014 when he “was not in a capable state of mind”. He is not able to make the monthly repayments and says Barclays should “write-off” the debt.backgroundBetween September... (2 pages)View decision -
Decision Reference DRN-5488389
30 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5488389 The complaint Miss B complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Miss B applied for an Aqua credit card in December 2021. Aqua’s confirmed Miss B gave her incom... (3 pages)View decision -
Decision Reference DRN3380925
21 Sep 2017 WDFC UK Limited UpheldBanking and creditMr L says WDFC UK Limited trading as wonga.com gave him loans he couldn’t afford to repay.background Between March 2014 and November 2016, Mr L took out 20 loans with Wonga. He doesn’t think it should’ve agreed to lend to him.The adjudicator recommended that Mr L’s ... (4 pages)View decision -
Decision Reference DRN4498402
21 Apr 2017 MEM Consumer Finance Limited UpheldBanking and creditMiss H complains that MEM Consumer Finance Limited (trading as Payday UK) gave her unaffordable payday loans. She wants a refund of the interest she paid.backgroundMiss H had four loans from Payday UK between October 2013 and May 2014. She said she couldn’t afford to ... (2 pages)View decision -
Decision Reference DRN2531281
10 Oct 2017 Barclays Bank Plc Not upheldBanking and creditMiss V complains that Barclays Bank Plc wrongly debited her account twice, causing her to become significantly overdrawn. She also says the bank made mistakes implementing an agreed repayment plan. She has been caused anxiety and seeks compensation.background In Januar... (2 pages)View decision -
Decision Reference DRN-2651234
15 Jul 2021 Advanced Payment Solutions Limited UpheldBanking and PaymentsDRN-2651234 The complaint Miss A complains that Advanced Payment Solutions, trading as Cashplus, restricted access to her account and funds. And didn’t communicate with her during the review period. She’d like compensation for the impact. What happened Miss A had an account with Cashplus. ... (2 pages)View decision
