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 4630 results
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Decision Reference DRN0182143
5 Sep 2018 The Five Lamps Organisation Not upheldBanking and creditMrs S complains that The Five Lamps Organisation failed to do appropriate affordability checks before giving her a £1,000 loan and if it had it wouldn’t have given her the money.backgroundMrs S took a loan for £1,000 with Five Lamps on 26th January 2018. She says ... (2 pages)View decision -
Decision Reference DRN6095705
15 Sep 2017 WDFC UK Limited UpheldBanking and creditMr S complains that WDFC UK Limited (trading as Wonga) lent him money he could not afford to repay. backgroundMr S took out 16 loans with Wonga between September 2012 and March 2014. He says that during this period his loans got larger and he had to take out other l... (3 pages)View decision -
Decision Reference DRN6043248
28 Jan 2019 Casheuronet UK LLC UpheldBanking and creditMr F complains about the short term loans he took out with CashEuroNet UK LLC trading as QuickQuid. Mr F says that he rolled over the loans many times and he also increased the amount he borrowed. This was because he couldn’t properly afford the repayments. He thi... (4 pages)View decision -
Decision Reference DRN-4647575
3 Apr 2024 Loans 2 Go Limited Not upheldConsumer CreditDRN-4647575 The complaint Mr H complains that Loans 2 Go Limited lent to him irresponsibly in July 2023. What happened Mr H applied for a loan for £1,500 on 24 July 2023 and it was approved. Mr H cancelled it (this is the terminology Mr H uses but I think he means he withdrew from the agre... (5 pages)View decision -
Decision Reference DRN2841324
27 Feb 2020 Elevate Credit International Limited UpheldBanking and creditMr J says Elevate Credit International Limited – trading as Sunny – irresponsibly lent to him.backgroundThis complaint is about 11 instalment loans Sunny provided to Mr J between August 2017 and June 2018. Mr J’s borrowing history is as follows:LoanDate TakenDate RepaidInstalmentsAmountM... (4 pages)View decision -
Decision Reference DRN5821261
8 Mar 2019 Casheuronet UK LLC UpheldBanking and creditMiss G complains about the short term loans she took out with Casheuronet UK LLC (CEN) trading as Pounds to Pocket. Miss G says that Pounds to Pocket lent irresponsibly.backgroundOur adjudicator thought the complaint should be partially upheld. Pounds to Pocket disagreed... (10 pages)View decision -
Decision Reference DRN9161599
27 Mar 2021 TSB Bank plc Not upheldBanking and creditMr D complains that TSB Bank pic increased his cash withdrawal limit without notifying him and he’d like TSB to reinstate the lower cash withdrawal limit he previously agreed. background Mr D explained that he had previously agreed a daily cash withdrawal limit of £50 to he... (3 pages)View decision -
Decision Reference DRN-3897809
5 May 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3897809 The complaint Mr B complains about Barclays Bank UK PLC. He says that Barclays didn’t do enough to protect him from becoming the victim of a scam and would like Barclays to refund the money he has lost. What happened Mr B was introduced to a website by someone he met on an onli... (3 pages)View decision -
Decision Reference DRN5084365
28 Apr 2016 Madison CF UK Limited UpheldBanking and creditMs E complains that Madison CF UK Limited (trading as 118118 Money) lent to her irresponsibly.backgroundMs E applied for a £1,000 loan from the business in May 2015. She says that the business should not have provided this to her.Ms E says that the bank statement ... (3 pages)View decision -
Decision Reference DRN-2855694
8 Jun 2021 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-2855694 The complaint Mr P has complained about a personal loan he took out with AvantCredit UK LLC (Avant). He says that Avant shouldn’t have lent to him as the loan was unaffordable for him. What happened In August 2015, Mr P took out a loan with Avant for £4,500 over a period of 48 ... (3 pages)View decision
