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 4648 results
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Decision Reference DRN8584447
14 Oct 2016 WDFC UK Limited UpheldBanking and creditMr A has complained WDFC UK Limited, trading as Wonga.com, didn’t check properly whether he could afford the loans he took out with them.backgroundIn August 2013 Mr A took out a loan for £200 with Wonga. Within a couple of weeks, he topped up this loan by £25. O... (3 pages)View decision -
Decision Reference DRN2812122
15 Jan 2018 Express Finance (Bromley) Limited UpheldBanking and creditMrs G complains that Express Finance (Bromley) Limited (trading as Payday Express) gave her loans she couldn’t afford to repay. She asks that it refunds interest and charges.backgroundMrs G took out loans with Payday Express between May 2012 and January 2013. She says ... (3 pages)View decision -
Decision Reference DRN3474340
26 Mar 2019 PDL Finance Limited UpheldBanking and creditMr S complains that PDL Finance Limited (trading as Mr Lender) gave him loans that he couldn’t afford.backgroundMr S took out a total of five loans with Mr Lender between January 2014 and July 2016.LoanDateAmountDate repaidNo. of instalments106.01.14£30027.01.141201.02.14£... (3 pages)View decision -
Decision Reference DRN8803410
21 Nov 2017 Lending Stream Llc UpheldBanking and creditMr W complains that Lending Stream LLC gave him loans that he couldn’t afford to repay.backgroundMr W was given eight loans by Lending Stream between August 2016 and November 2016. Each of the loans was repayable in six monthly instalments, but Mr W usually repaid t... (3 pages)View decision -
Decision Reference DRN3123047
11 Nov 2020 Avantcredit Of Uk, Llc UpheldBanking and creditMr C has complained that AvantCredit of UK LLC lent to him irresponsibly. background Mr C was given a loan by AvantCredit in January 2014 for £1,700. The loan was due to be repaid in 18 monthly instalments of around £181. I understand the loan has been repaid. One of our adjudicators has l... (3 pages)View decision -
Decision Reference DRN5074836
4 May 2017 Instant Cash Loans Limited UpheldBanking and creditMiss C has complained that Instant Cash Loans Limited (trading as Payday UK) shouldn’t have given her three loans, as she couldn’t afford to repay them. backgroundLoan one was taken out in November 2015 for £110. This was a payday loan and the principal plus interest ... (3 pages)View decision -
Decision Reference DRN-3216236
17 Feb 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3216236 The complaint Mr P complained that Madison CF UK Limited trading as 118 118 Money lent to him irresponsibly and provided him with an unaffordable loan. What happened Mr P was given a loan by 118 118 Money as follows: Loan start date Loan amount Monthly repayment Total amount re... (3 pages)View decision -
Decision Reference DRN1551609
4 May 2021 Carcashpoint Limited UpheldBanking and creditMr P complains that CarCashPoint Limited (“CarCashPoint”) unfairly provided him with logbook loans. background CarCashPoint provided Mr P with logbook loans as follows: Loan Date taken Date repaid Number of instalments Loan amount Weekly repayment* 1 30/03/2017 22/09/2017 78 weekly £560.0... (4 pages)View decision -
Decision Reference DRN-4075695
8 Sep 2023 National Westminster Bank Plc Not upheldConsumer CreditDRN-4075695 The complaint Mr H complains that National Westminster Bank Plc lent to him irresponsibly. What happened Mr H successfully applied for two loans with National Westminster Bank Plc (“Natwest”) in 2016. The first loan was for £8,000 and was taken out in May 2016 with monthly repa... (3 pages)View decision -
Decision Reference DRN-3447520
6 May 2022 My Finance Club Limited Not upheldConsumer CreditDRN-3447520 The complaint Miss D complains that My Finance Club Limited was irresponsible to lend to her. What happened Miss D had two loans from My Finance Club between April 2021 and December 2021 as follows: Loan Date Amount Term Scheduled Repayment Due Repaid 1 11 Apr 2021 £400 38d £52... (4 pages)View decision
