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 4727 results
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Decision Reference DRN0625654
2 Mar 2020 Oakbrook Finance Limited Not upheldBanking and creditMr W says Oakbrook Finance Limited, trading as Likely Loans, shouldn’t have lent him money in 2017.backgroundIn November 2017, Mr W borrowed £2,500 from Likely Loans. He’d repay this amount, with interest, over 12 months. The monthly repayments were £266.24. He repaid the loan early, in Fe... (3 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-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 DRN8079563
1 Nov 2017 WDFC UK Limited UpheldBanking and creditMr R complains that WDFC UK Limited (trading as Wonga) lent him money without checking whether he could afford to repay it. He wants Wonga to refund all the interest and charges he’s paid.backgroundMr R took out six loans with Wonga in 2014, over five months. Severa... (2 pages)View decision -
Decision Reference DRN1551244
23 May 2019 Casheuronet UK LLC UpheldBanking and creditMr L says CashEuroNet UK LLC (trading as Pounds to Pocket) lent to him irresponsibly.backgroundPounds to Pocket approved 12 instalment loans for Mr L. I’ve set out some of the details the business has provided about these loans in the table below. Three of the ... (3 pages)View decision -
Decision Reference DRN-2347937
18 Nov 2020 Loans 2 Go Limited UpheldConsumer CreditDRN-2347937 The complaint Mr L complains that Loans 2 Go Limited lent to him in an irresponsible manner. What happened I issued a provisional decision relating to this complaint in October 2020. In that decision I explained why I thought most of Mr L's complaint should be upheld. Both... (3 pages)View decision -
Decision Reference DRN6325735
16 Aug 2017 Cash On Go Limited UpheldBanking and creditMiss M complains that Cash on Go Limited (trading as Peachy.co.uk) gave her unaffordable instalment loans. She wants a refund of the interest she paid, with interest. backgroundMiss M had 10 loans from Peachy between March 2015 and August 2016. She said the loans were... (2 pages)View decision -
Decision Reference DRN6399366
4 Jun 2019 Casheuronet UK LLC UpheldBanking and creditMr H complains that CashEuroNet UK LLC, trading as QuickQuid, lent to him in an irresponsible manner.backgroundMr H took out five loans with QuickQuid between July 2016 and November 2017. The last loan remains outstanding. A summary of the loans is as follows:date£ ... (3 pages)View decision -
Decision Reference DRN6303505
16 Nov 2015 Sesame Limited Not upheldInvestment and pensionsMr and Mrs M complained that the level term assurance policy sold to them in 2004 by Sesame Limited (sesame) was not suitable. They say that they were told the policy was a condition of the mortgage.They also complained that they had pre-existing conditions, which wo... (3 pages)View decision -
Decision Reference DRN-4147237
6 Jun 2023 National Westminster Bank Plc UpheldBanking and PaymentsDRN-4147237 The complaint Mr L complains that National Westminster Bank Plc lent to him irresponsibly. What happened In March 2020 Mr L applied for a credit card with NatWest. NatWest approved the application and gave Mr L a credit card with an initial credit limit of £6,750. Mr L complain... (3 pages)View decision
