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 4619 results
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Decision Reference DRN7624851
14 Nov 2017 WDFC UK Limited UpheldBanking and creditMr C complains that WDFC UK Limited (trading as Wonga) acted irresponsibly when it lent him money he couldn’t afford to pay back. He wants Wonga to compensate him for the stress this caused him.backgroundMr C took out 24 loans with Wonga between 2014 and 2016. Some ... (2 pages)View decision -
Decision Reference DRN-4074097
23 Jun 2023 Valour Finance Limited Not upheldConsumer CreditDRN-4074097 The complaint Mrs M, through her representative, complains that Valour Finance Limited, trading as Savvy.co.uk (Valour) lent to her when she could not afford it. What happened Mrs M took one loan with Valour in November 2018 for £550. The interest payable was £549.92 and so the... (3 pages)View decision -
Decision Reference DRN2679773
28 Jun 2013 National Westminster Bank Plc Not upheldBanking and creditMr K says National Westminster Bank Plc is wrong to hold him responsible for transactions in favour of a company offering gambling services. The transactions were apparently made using his computer and security information, including a secure password. Mr K says his computer was hacked... (1 page)View decision -
Decision Reference DRN-1914038
23 Jul 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1914038 The complaintMr J complains that Provident Personal Credit Limited, trading as Satsuma Loans, lent to him in an irresponsible manner. What happenedIn March 2018, Mr J took out a loan of £300 with Satsuma. The loan was repayable over six months and the monthly repayments were a... (3 pages)View decision -
Decision Reference DRN-5036087
8 Oct 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5036087 Complaint Mr M has complained about a credit card that Vanquis Bank Limited (trading as “Vanquis”) provided to him. He says that he shouldn’t have been given the credit card and that it was irresponsibly provided to him. Background In March 2024, Vanquis provided Mr M with... (3 pages)View decision -
Decision Reference DRN-4994428
3 Sep 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4994428 The complaint Mr M says Vanquis Bank Limited irresponsible lent to him. What happened Mr M took out a credit card from Vanquis on 25 March 2024. He was given a £600 credit limit. He says he was given this credit card during a difficult time in his life when he had a gambling... (2 pages)View decision -
Decision Reference DRN-4506345
9 Jan 2024 Lendable Ltd Not upheldBanking and PaymentsDRN-4506345 The complaint Mr J says Lendable Ltd, trading as Zable, irresponsibly lent to him. What happened Mr J applied for a credit card from Lendable on 5 November 2021. He was approved and given an £800 credit limit. Mr J says he had a gambling addiction which has led to financial dif... (2 pages)View decision -
Decision Reference DRN-4310565
19 Oct 2023 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-4310565 The complaint Mr R complains that AvantCredit of UK, LLC trading as AvantCredit irresponsibly lent to him. What happened AvantCredit lent Mr R a loan in April 2016, the loan was for £2,000 with 24 monthly instalments of around £113. The highest monthly instalment was £113.45. T... (2 pages)View decision -
Decision Reference DRN-3514311
6 Jun 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3514311 The complaint Mr W says Everyday Lending Limited (ELL), trading as Everyday Loans, irresponsibly lent to him. What happened This complaint is about a 24-month instalment loan for £1,500 that ELL provided to Mr W on 5 July 2021. The monthly repayments were £156.01 and the total ... (3 pages)View decision -
Decision Reference DRN-4446384
19 Dec 2023 Santander UK Plc Not upheldConsumer CreditDRN-4446384 The complaint Mrs F says Santander UK Plc irresponsibly lent to her. What happened Mrs F took out a 48-month loan for £9,400 on 5 February 2019. The monthly repayments were £269.20 and the total repayable was £12,921.60. Mrs F says she was in a debt management plan at the time ... (2 pages)View decision
