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 4664 results
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Decision Reference DRN-4429276
3 Nov 2023 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-4429276 The complaint Mr C complains that Mitsubishi HC Capital UK Plc lent to him irresponsibly. What happened In October 2017, Mr C successfully applied for a loan of £20,000 with Mitsubishi HC Capital UK Plc (“Mitsubishi”). He was required to make 60 monthly payments of £414.47 and ... (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 DRN5680301
25 Mar 2020 Capital One (Europe) plc Not upheldBanking and creditMr R complains that Capital One (Europe) plc did not close his account when it should have done thereby letting him run up further debt as a result. background In July 2017 Mr R contacted Capital One. He said he told it he had been using his account to spend on gambling to which he was add... (3 pages)View decision -
Decision Reference DRN-2284830
25 Jun 2021 Advancis Limited UpheldConsumer CreditDRN-2284830 The complaint Mr D complains Advancis Limited trading as Buddy Loans irresponsibly lent to him. What happened Mr D was approved for a loan by Buddy Loans in September 2017. The capital amount of the loan was £1,500, with an 18-month term. The monthly repayments were approximate... (3 pages)View decision -
Decision Reference DRN-4274283
15 Aug 2023 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-4274283 The complaint Mr A complains that Mitsubishi HC Capital UK Plc irresponsibly lent to him. What happened In November 2021, Mr A applied and was accepted for a fixed sum loan agreement with Mitsubishi HC Capital UK Plc (“Mitsubishi”). The purpose of the loan was to purchase jewel... (3 pages)View decision -
Decision Reference DRN-4524178
21 Dec 2023 Lendable Ltd Not upheldBanking and PaymentsDRN-4524178 Complaint Mr M has complained about a credit card Lendable Ltd (trading as “Zable”) provided to him. He says the credit card and the subsequent credit limit increases were irresponsibly provided to him as they were unaffordable and provided while he suffered from a gambling add... (3 pages)View decision -
Decision Reference DRN-4219463
30 Jun 2023 Madison CF UK Limited Not upheldBanking and PaymentsDRN-4219463 The complaint Mr L complains that Madison CF UK Limited trading as 118 118 Money irresponsibly issued a credit card to him, which he couldn’t afford the repayments on. What happened In July 2019 Mr L successfully applied to 118 118 Money for credit card. This was issued to him,... (3 pages)View decision -
Decision Reference DRN1573651
12 May 2020 Elevate Credit International Limited UpheldBanking and creditComplaintMr K says Elevate Credit International Limited (trading as Sunny) irresponsibly lent to him.BackgroundThis complaint is about 1 running credit facility (RCF) and 33 instalment loans Sunny provided Mr K between November 2014 and July 2018. A summary of Mr K’s borrowing, based on th... (5 pages)View decision -
Decision Reference DRN-3072468
4 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3072468 The complaint Mr C complains about lending made to him through four separate credit card accounts by NewDay Ltd. What happened Mr C said that NewDay had lent him money through four separate credit card accounts, starting in 2015. He said that none of this lending was affordabl... (7 pages)View decision -
Decision Reference DRN9879228
30 Jun 2017 Lending Stream Llc UpheldBanking and creditMr R has complained about loans granted to him by Lending Stream LLC. He’s said they were unaffordable for him.backgroundLending Stream says it agreed 22 loans for Mr R during the period October 2011 to June 2016. The following table summarises some of the information ... (5 pages)View decision
