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 DRN4168011
3 Nov 2017 WDFC UK Limited UpheldBanking and creditMr M complains that WDFC UK Limited, trading as wonga.com, gave him loans that he couldn’t afford to repay.BackgroundMr M took out 7 payday loans with Wonga as follows:Loan numberDateDate repaidAmount (£)Top- up loan1.3 December 201123/12/20113802.11 January 201227/1/201... (5 pages)View decision -
Decision Reference DRN-4131118
21 Jun 2023 Chetwood Financial Limited Not upheldConsumer CreditDRN-4131118 The complaint Mrs A complains that Chetwood Financial Limited trading as LiveLend (LL) lent to her irresponsibly. What happened In March 2019 Mrs A applied to LL for a loan. LL approved the application and gave Mrs A a loan for £2000 repayable over a term of 24 months with mont... (2 pages)View decision -
Decision Reference DRN-3362033
23 Mar 2022 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-3362033 The complaint Mrs R complains that Tesco Personal Finance PLC trading as Tesco Credit Card irresponsibly allowed her to open a credit card account which was unaffordable. What happened Mrs R says she shouldn’t have been allowed to open the Tesco credit card account. She says th... (2 pages)View decision -
Decision Reference DRN7966306
30 Oct 2018 Active Securities Limited UpheldBanking and creditMiss B says Active Securities Limited, trading as 247 Money Box, lent to her irresponsibly.backgroundMiss B had six loans with 247 Money Box. I’ve set out some of the details 247 Money Box provided about the loans in the table below.Loan no.Approved dateRepaid d... (3 pages)View decision -
Decision Reference DRN4454148
20 Apr 2018 Instant Cash Loans Limited UpheldBanking and creditMr B complains that the loans he took out with Instant Cash Loans Limited (trading as Payday UK) were unaffordable.backgroundMr B had seven loans from Payday UK between June 2015 and February 2017 as follows:Loan Date AmountTermRepayment Due Repaid115 Jun 2015£2002m£140.2... (3 pages)View decision -
Decision Reference DRN7490632
22 Jun 2018 MYJAR Limited Not upheldBanking and creditMiss C complains that MYJAR Limited gave her a loan she couldn’t afford to repay.backgroundIn early March 2016, Miss C borrowed £200 from MYJAR. The loan was repayable in three monthly instalments of £105. In late March 2016, Miss C told MYJAR that she was about ... (2 pages)View decision -
Decision Reference DRN-2957210
14 Dec 2021 Santander UK Plc Not upheldBanking and PaymentsDRN-2957210 The complaint Mr G complains that Santander UK Plc won’t refund a number of payments made from his account which he says he didn’t make. What happened In September 2020, a number of payments were made out of Mr G’s account which he says he didn’t make. The payments were all mad... (2 pages)View decision -
Decision Reference DRN7468248
21 Aug 2017 Cheque Centres Limited Not upheldBanking and creditMiss C complains that Cheque Centres Limited gave her unaffordable payday loans. She wants a refund of her interest, with interest, the outstanding balance waived and her credit file amended. backgroundMiss C had five loans from Cheque Centres between April and September... (2 pages)View decision -
Decision Reference DRN1374134
11 May 2018 MYJAR Limited Not upheldBanking and creditMr B complains that MYJAR Limited gave him loans that he couldn’t afford to repay.backgroundMr B was given two loans by MYJAR. Both his loans were scheduled to be repaid in six monthly instalments. The first loan, for £650, was taken in April 2017. Mr B repaid t... (2 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