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 5125 results
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Decision Reference DRN8103105
9 Jan 2018 Lending Stream Llc UpheldBanking and creditMr H complains that Lending Stream LLC gave him unaffordable instalment loans. He wants a refund of his interest and charges.backgroundMr H had ten loans from Lending Stream between January 2015 and May 2016. He said it didn’t carry out proper checks that he could af... (2 pages)View decision -
Decision Reference DRN-3957365
24 Feb 2023 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-3957365 The complaint Mr M complains that Mitsubishi HC Capital UK Plc, trading as Novuna Personal Finance, irresponsibly lent to him. What happened Mr M took out a 36-month fixed sum loan for £4,000 from Novuna in October 2017. The monthly repayments were £184.56 and the total repayab... (2 pages)View decision -
Decision Reference DRN9017513
22 Jan 2020 Evergreen Finance London Ltd Not upheldBanking and creditMr H says Evergreen Finance London Limited, trading as MoneyBoat.co.uk (MoneyBoat), lent to him irresponsibly. backgroundMr H had five loans with MoneyBoat which are set out below. An adjudicator considered the complaint and didn’t think it should be upheld. Mr H didn’t agree with the adju... (3 pages)View decision -
Decision Reference DRN3380925
21 Sep 2017 WDFC UK Limited UpheldBanking and creditMr L says WDFC UK Limited trading as wonga.com gave him loans he couldn’t afford to repay.background Between March 2014 and November 2016, Mr L took out 20 loans with Wonga. He doesn’t think it should’ve agreed to lend to him.The adjudicator recommended that Mr L’s ... (4 pages)View decision -
Decision Reference DRN-4440346
11 Jan 2024 Vanquis Bank Limited Not upheldConsumer CreditDRN-4440346 The complaint Mr H complains that Vanquis Bank Limited (‘Vanquis’) irresponsibly gave him a loan that he couldn’t afford. What happened On 12 July 2022, Mr H asked for and was given a loan for £3,000 which had a term of two years. In 2023, Mr H complained to Vanquis to say that... (2 pages)View decision -
Decision Reference DRN-3781587
10 Nov 2022 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3781587 The complaint Mr P complains that HSBC UK Bank Plc (‘HSBC Bank’) irresponsibly gave him a credit card account that he couldn’t afford. What happened On 22 November 2018, Mr P’s credit card was opened by HSBC Bank with an initial credit limit of £4,000. This credit limit was nev... (2 pages)View decision -
Decision Reference DRN7365922
7 Oct 2020 Madison CF UK Limited UpheldBanking and creditMr F complains that Madison CF UK Limited trading as 118118 Money (“MCF”) lent to him in an irresponsible manner. background Mr F was given two loans by MCF in July 2016 and January 2017. He repaid both loans far earlier than the 24 month terms that he’d agreed. A summary of Mr F’s borrowi... (3 pages)View decision -
Decision Reference DRN-3280886
10 Feb 2022 MBNA Limited Not upheldBanking and PaymentsDRN-3280886 The complaint Miss B complains that MBNA Limited irresponsibly increased her credit card account limit to unaffordable levels. What happened Miss B says she asked MBNA for payment breaks which were approved but when they ended, she was paying nearly double her previous amount. ... (3 pages)View decision -
Decision Reference - DRN-1829933
20 Jul 2020 Stagemount Limited UpheldConsumer CreditThe complaint Mrs F says Stagemount Limited, trading as Quid Market (“Quid Market”), irresponsibly lent to her. Mrs F says she had a poor credit record and a gambling addiction. She says Quid Market should have carried out more checks before it lent to her. What happened This complaint is ... (4 pages)View decision -
Decision Reference DRN9734129
19 Oct 2018 Madison CF UK Limited Not upheldBanking and creditMr W is unhappy with Madison CF UK Limited’s (118 Money) decision to lend him money.backgroundMr W had two loans with 118 Money; The first £2,700 on 18 February 2016 which was repaid in full on 9 May 2016; The second £3,500 on 8 June 2016 which was repaid in fu... (3 pages)View decision
