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-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 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 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-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 DRN4379248
13 Feb 2020 Elevate Credit International Limited UpheldBanking and creditMr H says Elevate Credit International Limited (Elevate), trading as Sunny Loans, irresponsibly lent to him.backgroundThis complaint is about 30 loans Elevate provided to Mr H between March 2015 and May 2017. Mr H’s history of borrowing from Elevate is attached to this decision. Our adjudi... (5 pages)View decision -
Decision Reference DRN9105414
4 Jul 2018 Gain Credit LLC UpheldBanking and creditMr M says Gain Credit LLC, trading as Lending Stream, lent to him irresponsibly. He says the loans trapped him into a “debt spiral” and he had to borrow more to repay them. Mr M also says the number of times he borrowed should’ve caused Lending Stream to reali... (4 pages)View decision -
Decision Reference DRN4358147
30 Oct 2017 Nationwide Building Society Not upheldInvestment and pensionsMr H complains that Nationwide Building Society’s advice to invest in a Guaranteed Equity Bond was unsuitable. Mr H is being represented by a claims management company (CMC).backgroundMr H complained that the advice to invest in the World Guaranteed Equity Bond in 1999 ... (2 pages)View decision -
Decision Reference DRN-5651927
11 Sep 2025 North Edinburgh and Castle Credit Union Limited Not upheldConsumer CreditDRN-5651927 The complaint Mr C is complaining that North Edinburgh and Castle Credit Union Limited trading as Castle Community Bank (CCB) acted irresponsibly in lending to him. What happened In June 2023, Mr C applied for a loan with CCB. They lent him £4,000 over a three-year term, wit... (3 pages)View decision