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 5478 results
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Decision Reference DRN-4795273
15 May 2024 Vanquis Bank Limited UpheldConsumer CreditDRN-4795273 The complaint Mr R says Vanquis Bank Limited lent to him irresponsibly. What happened This complaint relates to a loan Vanquis agreed for Mr R. But in order to explain my decision, I also need to refer to his credit card account with Vanquis which has been the subject of a simi... (3 pages)View decision -
Decision Reference DRN-4748753
26 Apr 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4748753 Complaint Mr D complains that Moneybarn Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the monthly payments to this agreement were unaffordable. Mr D is being assisted with his complaint by a Claims Management Company (“CMC”). ... (3 pages)View decision -
Decision Reference DRN-4566130
22 Jan 2024 Go Car Credit Limited Not upheldConsumer CreditDRN-4566130 Complaint Mr M complains that Go Car Credit Limited (“Go Car Credit”) unfairly entered into a hire purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable. Background In November 2018, Go Car Credit provided Mr M with finance for a u... (3 pages)View decision -
Decision Reference DRN-5067988
31 Oct 2024 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-5067988 Complaint Mr H complains that Specialist Motor Finance Limited (“SMF”) unfairly entered into a hire- purchase agreement with him. He’s said he shouldn’t have been lent to given his previous credit history. Background In July 2023, SMF provided Mr H with finance for a used c... (3 pages)View decision -
Decision Reference DRN0155165
14 Jul 2017 WDFC UK Limited UpheldBanking and creditMiss R complains that WDFC UK Limited (trading as Wonga) gave her loans she couldn’t afford to repay. She asks that it refunds interest, with 8% interest, and removes the loans from her credit file.backgroundMiss R took out 27 loans and three top up loans between Marc... (3 pages)View decision -
Decision Reference DRN0702591
9 Nov 2018 Casheuronet UK LLC UpheldBanking and creditMrs S complains that CashEuroNet UK LLC (trading as Quick Quid) gave her unaffordable payday loans. She wants a refund of the interest she paid and her credit file amended. backgroundMrs S had ten loans and seven top ups from Quick Quid between August 2015 and Oc... (3 pages)View decision -
Decision Reference DRN1818230
12 Sep 2017 Casheuronet UK LLC Not upheldBanking and creditMs B complains that CashEuroNet UK LLC (trading as Quick Quid) gave her loans that she couldn’t afford to repay. She asks that it refunds interest and charges and removes information about the loans from her credit file.background Ms B took out seven loans between Nove... (3 pages)View decision -
Decision Reference DRN-5503995
14 Aug 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5503995 The complaint Mr B has complained about a Monzo credit card account, also known as a flex account, that was provided to him by Monzo Bank Limited (“Monzo”). He’s said the card was unaffordable for him and so it should never have been provided in the first place. What happen... (4 pages)View decision -
Decision Reference DRN-5538840
1 Jul 2025 Stellantis Financial Services UK Limited Not upheldConsumer CreditDRN-5538840 Complaint Mr R complains that Stellantis Financial Services UK Limited (then trading as “PSA Finance” UK) unfairly entered into a conditional sale agreement with him. The finance was provided under PSA Finance’s Autobank trading name and so for the sake of consistency, I’ve ... (3 pages)View decision -
Decision Reference DRN6785388
13 Feb 2017 Wage Day Advance Limited UpheldBanking and creditMs L complains that Wage Day Advance Limited “Wage Day” lent her money she couldn’t afford to repay. backgroundWage Day provided Ms L with eleven loans between September 2012 and March 2016:(1)£100 – 27.09.12 (7) £100 – 08.07.15 (2) £100 – 24.01.14 (8) £250 – 01.09.1... (3 pages)View decision