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 DRN7907091
8 Jun 2017 Everyday Loans Limited Not upheldBanking and creditMr P complains that Everyday Loans Limited gave him a loan that was unaffordable for him and didn’t carry out proper checks before agreeing the loan.backgroundMr P took out an unsecured loan with Everyday Loans in October 2016 for £5000. The monthly repayments were just ... (2 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-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 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 DRN-5694816
6 Oct 2025 Madison CF UK Limited Not upheldConsumer CreditDRN-5694816 The complaint Mr R complains that Madison CF UK Limited trading as 118 118 Money was irresponsible in its lending to him. Mr R wants the interest and charges refunded and all adverse information regarding the loan removed from his credit file. What happened Mr R was provided... (4 pages)View decision -
Decision Reference DRN9961077
9 Nov 2016 Express Finance (Bromley) Limited Not upheldBanking and creditMr C complained that Express Finance (Bromley) Limited (trading as Payday Express) gave him loans that he couldn’t afford to repay.background The background to this complaint was set out in the provisional decision I issued last month. An extract from this is attached ... (4 pages)View decision -
Decision Reference DRN-3272500
28 Feb 2022 Nationwide Building Society Not upheldBanking and PaymentsDRN-3272500 The complaint Mr C complains that Nationwide Building Society failed to refund transactions he didn’t recognise. What happened Mr C transferred a large sum of money into his Nationwide account after he’d won the money using an online betting merchant I’ll refer to as M. The fun... (4 pages)View decision -
Decision Reference DRN-4730874
1 May 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4730874 The complaint Mr C has complained that Bank of Scotland plc trading as Halifax acted irresponsibly when it allowed him to continue using his overdraft when it had become unaffordable for him. Background Mr C held a current account with Halifax which had an overdraft facility on... (4 pages)View decision -
Decision Reference DRN0258419
10 Jul 2019 Ferratum UK Ltd. Not upheldBanking and creditMr H complains that Ferratum UK Ltd was irresponsible to lend him money,backgroundMr H took out one instalment loan with Ferratum in January 2018 He was due to repay £500 by three monthly instalments, the highest of which was £254.Mr H says that he had a gambling addiction and when Ferratu... (2 pages)View decision