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 5123 results
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Decision Reference DRN4676717
26 Jan 2017 Instant Cash Loans Limited UpheldBanking and creditMiss L complains that Instant Cash Loans Limited (trading as Payday Express) gave her loans she couldn’t afford to repay. She asks that it refunds interest and charges, plus 8% interest, and removes the loans from her credit file.backgroundMiss L took out seven loans b... (3 pages)View decision -
Decision Reference DRN4855415
17 Mar 2017 Creation Financial Services Limited UpheldBanking and creditMr S is unhappy that Creation Financial Services Limited (‘Creation’) charged him a cash advance fee when he used his credit card to buy some gift vouchers.backgroundIn December 2016, Mr S bought a £100 gift card with his credit card. On receipt of his credit card stat... (2 pages)View decision -
Decision Reference DRN3164446
23 May 2017 Vanquis Bank Limited Not upheldBanking and creditMr S complains that Vanquis Bank Limited wouldn’t accept a payment to his credit card balance from his spread betting account. He also complains that Vanquis then harassed him about missed credit card payments. backgroundMr S says Vanquis charged him a missed payment... (2 pages)View decision -
Decision Reference DRN-4274267
1 Aug 2023 Nationwide Building Society Not upheldBanking and PaymentsDRN-4274267 The complaint Mr J complains that Nationwide Building Society irresponsibly provided him with a credit card, and increased the limit, which he couldn’t afford the payments on. What happened Nationwide provided Mr J with a credit card on 17 September 2014. He was given an initia... (5 pages)View decision -
Decision Reference DRN-4123659
12 May 2023 Evergreen Finance London Limited Not upheldConsumer CreditDRN-4123659 The complaint Mr T complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (MoneyBoat) provided him with loans without carrying out the proper checks. Had it done so, MoneyBoat would’ve realised these loans weren’t affordable for him. What happened Mr T was a... (5 pages)View decision -
Decision Reference DRN0777012
23 Sep 2016 WDFC UK Limited UpheldBanking and creditMr G complains that WDFC UK Limited trading as Wonga (“Wonga”) gave him unaffordable loans. He wants a refund of any interest paid, together with interest.backgroundIn my provisional decision I set out why I intended to uphold Mr G’s complaint. Wonga responded and said... (2 pages)View decision -
Decision Reference DRN6570549
1 May 2018 Casheuronet UK LLC UpheldBanking and creditMr D complains that CashEuroNet UK LLC was irresponsible to continue to lend to him given his borrowing history.backgroundMr D had eleven loans from CashEuroNet (trading as QuickQuid and Pounds to Pocket) between December 2010 and September 2017 as follows:Mr D says Cas... (4 pages)View decision -
Decision Reference DRN6823613
31 Aug 2017 Lending Stream Llc UpheldBanking and creditMrs S has complained about instatement loans she’s taken with Lending Stream LLC (Lending Stream) between May 2012 and June 2014. Mrs S says the loans weren’t affordable so shouldn’t have been given to her. backgroundMrs S had a total of 28 instalment loans. And a sum... (4 pages)View decision -
Decision Reference DRN0062445
21 Dec 2018 Harvey & Thompson Limited Not upheldBanking and creditMr A complains that the loans he had from Harvey & Thompson Limited were unaffordable and caused him to get into a debt spiral.backgroundMr A had four loans from Harvey and Thompson between April 2014 and June 2017 as follows:Loan Date AmountRepaymentsFrequency DueP... (3 pages)View decision -
Decision Reference DRN2670078
12 Jun 2020 Vanquis Bank Limited UpheldBanking and creditMr C complains about Vanquis Bank Limited (“Vanquis”) for increasing his credit limit on his credit card, despite being aware of his increased debt and greater spending on gambling. He wants Vanquis to refund interest and charges applied to the increased balance and to remove late payment ... (2 pages)View decision
