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 DRN6500563
19 Feb 2018 NewDay Ltd Not upheldBanking and creditMr M says it was irresponsible of NewDay Ltd to accept his application for a credit card, given his financial circumstances at the time.backgroundMr M applied for a credit card with NewDay in April 2016. NewDay accepted his application and set a credit limit of £450. ... (2 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 DRN5229750
28 Sep 2016 MEM Consumer Finance Limited UpheldBanking and creditMr H complains that MEM Consumer Finance Limited, trading as PaydayUK, (Payday) gave him loans he couldn’t afford to repay. backgroundMr H took out eight loans with Payday between 2010 and 2013 for amounts ranging between £200 and £640. He rolled over each of them, apa... (3 pages)View decision -
Decision Reference DRN3365127
18 Sep 2019 Provident Personal Credit Limited Not upheldBanking and creditMr A says Provident Personal Credit Limited (trading as Satsuma) irresponsibly lent to him.backgroundSatsuma provided Mr A with a loan for £400 in March 2018. The loan was due to be repaid in three monthly instalments of £196.80. Mr A hasn’t repaid any part of the loan and so the loan bala... (2 pages)View decision -
Decision Reference DRN9766194
5 Feb 2016 TSB Bank plc UpheldBanking and creditMr T complains TSB Bank plc didn’t help him when he was trying to get money repaid to him.backgroundIn August 2015 Mr T used a gambling website and made a number of transactions. He spent the equivalent of £3,642. According to the casino site he used, he won mo... (2 pages)View decision -
Decision Reference DRN-5651739
29 Sep 2025 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5651739 The complaint Mr M complains that Oodle Financial Services Limited trading as Oodle Car Finance (Oodle) Irresponsibly approved finance for him which was unaffordable. What happened In September 2021, Mr M acquired a used car financed through a Hire Purchase Agreement (HPA) w... (4 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 DRN-3363870
10 Mar 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3363870 The complaint Mr B has complained that Madison CF UK Limited trading as 118 118 Money was irresponsible in lending to him. What happened 118 118 Money provided Mr B with the following loans: Date taken Total Loan Term Monthly repayment Amount Borrowed Date repaid Loan 1 24/06/1... (4 pages)View decision -
Decision Reference DRN5815859
22 Jan 2018 Casheuronet UK LLC UpheldBanking and creditMr S complains that CashEuroNet UK LLC, trading as QuickQuid, gave him loans he couldn’t afford to repay.backgroundMr S took out the following loans from QuickQuid: date £ amount borrowed,including top-ups date repaid 118 June 201515031 July 2015211 August 201545030 Septemb... (3 pages)View decision -
Decision Reference DRN-3758603
3 Nov 2022 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3758603 The complaint Mr U says that Lloyds Bank PLC (“Lloyds”) acted irresponsibly by approving an overdraft for him when he had a gambling addiction. He says the charges he incurred for this were unaffordable and caused financial difficulty. What happened Mr U applied for an overdraf... (3 pages)View decision
