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
-
Decision Reference DRN-4147237
6 Jun 2023 National Westminster Bank Plc UpheldBanking and PaymentsDRN-4147237 The complaint Mr L complains that National Westminster Bank Plc lent to him irresponsibly. What happened In March 2020 Mr L applied for a credit card with NatWest. NatWest approved the application and gave Mr L a credit card with an initial credit limit of £6,750. Mr L complain... (3 pages)View decision -
Decision Reference DRN-3353804
28 Mar 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3353804 The complaint Mrs B says Madison CF UK Limited trading as 118 118 Money (118 118) irresponsibly lent to her. She thinks that, because of the size and term of the loan, 118 118 should have made better checks. If it had done this it would have seen that Mrs B had significant fina... (3 pages)View decision -
Decision Reference DRN-5864091
7 Oct 2025 Oakbrook Finance Limited Not upheldConsumer CreditDRN-5864091 The complaint Miss C complains OAKBROOK FINANCE LIMITED (“Oakbrook”) irresponsibly lent to her. What happened In August 2022, Miss C applied for a loan with Oakbrook. The application was approved and she was given a loan for £2,000, to be repaid over 30 months, with a month... (3 pages)View decision -
Decision Reference DRN9454054
29 Aug 2018 Casheuronet UK LLC UpheldBanking and creditMs L complains that CashEuroNet UK LLC, trading as QuickQuid and as Pounds to Pocket, (“CEN”) approved her loan applications without making the correct checks. She complains that this was irresponsible of CEN. Ms L also complains that when she asked for help with her... (8 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 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 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 DRN5631290
27 Nov 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr F complains about a number of payday loans he borrowed from Curo Transatlantic Limited (trading as Wageday Advance). He says the loans became difficult to manage and this led him into a debt spiral.backgroundI issued a provisional decision on 30 October 2017 where ... (7 pages)View decision -
Decision Reference DRN-2749624
14 Apr 2021 Progressive Money Limited UpheldConsumer CreditDRN-2749624 The complaint Miss G says Progressive Money Limited (PML) lent irresponsibly to her. What happened Miss G borrowed £6,000 from PML on 31 March 2016. She repaid the loan in April 2018. The monthly repayment was £327.71 and the total repayable was £11,797.60. Miss G says the loan... (4 pages)View decision -
Decision Reference DRN-5155438
5 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5155438 The complaint Mr H complains that Vanquis Bank Limited was irresponsible in its lending to him. He wants all interest, fees and charges refunded plus statutory interest and any adverse information removed from his credit file. Mr H is represented by a third party but for eas... (3 pages)View decision
