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 DRN-1823522
17 Jul 2020 MYJAR Limited Not upheldConsumer CreditDRN-1823522 The complaintMr H says MYJAR Limited lent to him irresponsibly.What happenedMr H had four loans with MYJAR, as I’ve summarised below.Loan no.AmountStart dateEnd date 1£10020/02/201528/02/2015 2£50002/03/201529/05/2015 3 £1,00003/01/201603/02/2016 4£50002/05/201631/05/2016An ad... (2 pages)View decision -
Decision Reference DRN-3139561
6 Jan 2022 UK Credit Limited UpheldConsumer CreditDRN-3139561 The complaint Miss B complains about a personal loan she had with UK Credit Limited (UCL). She said UCL hadn’t done enough to check whether she could afford the loan. What happened In August 2019, Miss B took out a personal loan with UCL for £12,000 over a period of 60 months,... (5 pages)View decision -
Decision Reference DRN6569905
17 Oct 2018 Elevate Credit International Limited UpheldBanking and creditMr W complains that Elevate Credit International Limited, trading as Sunny, gave him a loanthat he couldn’t afford to repay. The complaint is brought to this service on Mr W’s behalf bya claims management company. But for ease, I shall refer below to all actions bei... (4 pages)View decision -
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 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 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 DRN-3344535
10 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3344535 The complaint Mr M complains that NewDay Ltd (“NewDay”) has refused to refund payments he believed he was making to Tradex1 using his NewDay (Amazon) Mastercard credit card. Mr M says that Tradex1 were operating a scam and stole his money. What happened The circumstances of th... (5 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
