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 4630 results
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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 DRN7255435
16 Feb 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr R complains that Express Finance (Bromley) Limited trading as Payday Express (“Payday Express”) gave him loans he couldn’t afford to repay. He is particularly unhappy about interest that has been added when he was in a plan with a debt management company. He asks tha... (6 pages)View decision -
Decision Reference DRN5060935
15 Apr 2020 Amigo Loans Ltd UpheldBanking and creditMiss A complains that Amigo Loans Ltd (“Amigo”) did not carry out proper checks before providing guarantor loans that she couldn’t afford and failed to provide an appropriate response when she experienced financial problems. background Miss A got three loans from Amigo in 2017. She borrow... (6 pages)View decision -
Decision Reference DRN-4457529
14 Dec 2023 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4457529 The complaint Mr C complains that Lloyds Bank Plc will not refund payments he says he did not make. What happened Between January and June 2022 a series of transfers and card payments were made from Mr C’s Lloyds accounts. These were either transfers to Mr C’s brother, Mr D, or... (3 pages)View decision -
Decision Reference DRN0067790
28 Jun 2018 Avantcredit Of Uk, Llc Not upheldBanking and creditMiss P complains that AvantCredit of UK LLC (trading as AvantCredit) lent money to her at a time when she was unable to afford the repayment.backgroundMiss P applied for a loan with AvantCredit in 2016. She borrowed £6000 on 3 March 2016 with £9,595.77 to be rep... (3 pages)View decision -
Decision Reference DRN-3873837
25 Jan 2023 Zopa Bank Limited UpheldConsumer CreditDRN-3873837 The complaint Mr L complains that Zopa Bank Limited gave him personal loans without properly checking affordability or his creditworthiness. What happened Mr L took out two loans with Zopa: 1. In 2021, for £5,000 over 12 months, with a monthly payment of £489.57. 2. In 2022, fo... (3 pages)View decision -
Decision Reference DRN-3069691
24 Sep 2021 Everyday Lending Limited UpheldConsumer CreditDRN-3069691 The complaint Mr M complains that Everyday Lending Limited (trading as Everyday Loans) granted him a loan that was unaffordable for him. What happened In June 2017, Mr M took out a loan for £3,000 with Everyday Lending. The loan was to be repaid over 36 months with the repaymen... (3 pages)View decision -
Decision Reference DRN-4479621
24 Jan 2024 MBNA Limited Not upheldBanking and PaymentsDRN-4479621 The complaint Ms A complains that MBNA Limited (‘MBNA Limited’) irresponsibly gave two credit card accounts that she couldn’t afford. What happened On 12 January 1999, Ms A applied for a credit card account with MBNA Limited. The account opened on 2 February 1999. On 29 March 2... (3 pages)View decision
