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-2425424
13 Jul 2021 TFS Loans Limited UpheldConsumer CreditDRN-2425424 The complaint Mr C says TFS Loans Limited lent to him irresponsibly. What happened Mr C took out two guarantor loans from TFS as summarised below. He used funds from loan 2 to repay loan 1 and I understand there is an outstanding balance on loan 2. Loan date value, £ term, mont... (4 pages)View decision -
Decision Reference DRN-3933189
17 Apr 2023 Starling Bank Limited Not upheldBanking and PaymentsDRN-3933189 The complaint Mr Y complains that Starling Bank Limited did not decrease his withdrawal limit. What happened Mr Y contacted Starling Bank on 3 February 2022 and asked to decrease his cash withdrawal limit on his account to £50, instead of £300. There was some initial confusion ... (2 pages)View decision -
Decision Reference DRN-5909875
5 Feb 2026 PROPEL HOLDINGS (UK) LIMITED Not upheldConsumer CreditDRN-5909875 The complaint Miss W complains that PROPEL HOLDINGS (UK) LIMITED trading as Quidmarket lent to her when she could not afford it. What happened Miss W took one loan of £600 on 15 November 2024. It was scheduled to be repaid over six monthly instalments at just under £180 each... (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 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 DRN4676717
26 Jan 2017 Instant Cash Loans Limited UpheldBanking and creditMiss L complains that Instant Cash Loans Limited (trading as Payday Express) gave her loans she couldn’t afford to repay. She asks that it refunds interest and charges, plus 8% interest, and removes the loans from her credit file.backgroundMiss L took out seven loans b... (3 pages)View decision -
Decision Reference DRN-5366730
13 Aug 2025 Tesco Personal Finance Limited Not upheldConsumer CreditDRN-5366730 The complaint Mr C complains that Tesco Personal Finance Limited (“Tesco”) irresponsibly provided him with a loan. What happened In April 2024 Mr C applied for a loan with Tesco. The application was approved and he was given a £7,500 loan to be repaid over 60 months at a mo... (3 pages)View decision -
Decision Reference DRN-3359528
10 Mar 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3359528 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 DRN2858075
9 Feb 2017 MYJAR Limited UpheldBanking and creditMr S complains that MYJAR Limited provided him with short-term loans he couldn’t afford to repay.backgroundBased on what I’ve seen, Mr S took five loans with MYJAR as follows:Agreement DatePrinciple Amount BorrowedNo. of repayments dueMaximum monthly payment including in... (4 pages)View decision -
Decision Reference DRN-5329702
10 Apr 2025 Oodle Financial Services Limited UpheldConsumer CreditDRN-5329702 The complaint Mr R complains that Oodle Financial Services Limited trading as Oodle Car Finance (Oodle) acted irresponsibly by lending to him. What happened In late May 2022 Mr R acquired a car when he entered into a hire purchase agreement with Oodle. The cash price of the ... (4 pages)View decision