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 DRN6469112
11 Jan 2018 Lending Stream Llc UpheldBanking and creditMr B complains that Lending Stream LLC wrongly lent him money he couldn’t afford to pay back.backgroundMr B took out five short term loans with Lending Stream between August and October 2013. He said that the business didn’t carry out proper affordability checks and allowe... (3 pages)View decision -
Decision Reference DRN-2930181
1 Jun 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-2930181 The complaint Mr Q complains Everyday Lending Limited trading as Trusttwo irresponsibly approved him for a loan. Mr Q is represented by a claims management company. For ease I’ll refer to all submissions as if they were made directly by him. What happened Trusttwo approved Mr Q... (3 pages)View decision -
Decision Reference DRN-3126456
1 Nov 2021 My Finance Club Limited Not upheldConsumer CreditDRN-3126456 The complaint Mr M complains that My Finance Club Limited didn’t carry out adequate checks before lending to him. He says the loan provided is unaffordable. What happened Mr M was provided with a £400 loan by My Finance Club in April 2021. He says at the time of the loan he had... (2 pages)View decision -
Decision Reference DRN-5455678
7 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5455678 The complaint Mr B complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr B applied for an Aqua credit card in April 2024. In his application, Mr B said he was employed... (2 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 DRN7203361
17 Aug 2017 Lending Stream Llc Not upheldBanking and creditMr M complains that Lending Stream LLC was irresponsible to lend money to him.backgroundMr M took out 23 instalment loans with Lending Stream between 2014 and 2015. The loans were for between £80 and £750 and were each due to be repaid in six monthly instalments – ... (7 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 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
