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 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 DRN-5488389
30 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5488389 The complaint Miss B complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Miss B applied for an Aqua credit card in December 2021. Aqua’s confirmed Miss B gave her incom... (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-3784334
17 Nov 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3784334 The complaint Mr M complains that Barclays Bank UK PLC trading as Barclaycard irresponsibly gave him a credit card that he couldn’t afford. For simplicity, I will refer to the business throughout as ‘Barclaycard’. What happened In March 2016, Mr M applied for a credit card with... (2 pages)View decision -
Decision Reference DRN-2887958
12 Jan 2022 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-2887958 The complaint Miss R complains that Capital One (Europe) plc won’t reimburse her the money she paid to what she says was an investment scam. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide an overview of some of the k... (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 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 -
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
