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 DRN-5807312
2 Oct 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5807312 Complaint Mr E has complained about a credit card Zopa Bank Limited (“Zopa”) provided to him. He says that he shouldn’t have been given the credit card and that it was irresponsibly provided to him. Background In January 2022, Zopa provided Mr E with a credit card which ha... (3 pages)View decision -
Decision Reference DRN-1694257
17 Apr 2020 Hitachi Capital (UK) Plc Not upheldConsumer CreditDRN-1694257The complaintMrs B complains that Hitachi Capital (UK) Plc (“Hitachi”) lent to her irresponsibly. What happenedAt the beginning of March 2018 Mrs B applied for a loan with Hitachi. The loan was for £5,000 over a period of 36 months and the monthly repayments were around £165. H... (3 pages)View decision -
Decision Reference DRN-3358324
28 Mar 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3358324 The complaint Mr M is unhappy that National Westminster Bank Plc (“NatWest”) approved an overdraft facility for him that he considers unaffordable. He is also unhappy that correspondence for him went to the wrong address. What happened Mr M successfully applied for a £4,500 ove... (3 pages)View decision -
Decision Reference DRN-3298367
4 Feb 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3298367 The complaint Mr K complains that HSBC Bank UK Plc did not do enough to recover the money he lost to an investment scammer. What happened In April 2018, Mr K came across 365 Markets after looking into forex trading online. He found an advert about them which stated consumers co... (7 pages)View decision -
Decision Reference DRN-3550636
17 Jun 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3550636 The complaint Mr L complains about a loan provided to him by Loans 2 Go Limited, (“L2G”), which he says was unaffordable. He also complained that he felt he was being overcharged interest. What happened L2G entered into an agreement for a loan for Mr L in March 2019. The loan w... (7 pages)View decision -
Decision Reference DRN0843343
30 Dec 2016 WDFC UK Limited UpheldBanking and creditMr M complains that WDFC UK Limited, trading as Wonga, gave him loans he couldn’t afford to repay. He asks that Wonga refunds interest and charges and pays compensation for the way it handled the situation when he couldn’t repay the loans.backgroundMr M took out 21 loa... (3 pages)View decision -
Decision Reference DRN3590889
26 Jul 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr A complains that CURO TRANSATLANTIC LIMITED (trading as Wage Day Advance) gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges and removes information about the loans from his credit file.backgroundMr A took out 15 loans between ... (3 pages)View decision -
Decision Reference DRN2749754
5 Feb 2019 Wageme.Com Limited UpheldBanking and creditMr E complains that WAGEME.COM LTD (“WCL”), gave him loans that he couldn’t afford to repay.backgroundMr E took 6 loans from WCL between June 2015 and September 2015 as follows:-Loan numberDate of LoanLoan repayment (including initial interest amount) Date repaid1.3/6/2015£... (5 pages)View decision -
Decision Reference DRN-3284264
2 Feb 2022 TFS Loans Limited UpheldConsumer CreditDRN-3284264 The complaint Ms H has complained that TFS Loans Limited (“TFS Loans”) provided her with an unaffordable loan. What happened TFS Loans provided Ms H with a loan of £4000 in March 2015. This loan had a 36-month term with a monthly repayment amount of £193.61. This all meant the ... (3 pages)View decision -
Decision Reference DRN2403477
15 Jan 2020 Provident Personal Credit Limited Not upheldBanking and creditMr D complains that Provident Personal Credit Limited (trading as Satsuma) lent to him in an irresponsible manner.backgroundMr D took two loans from Satsuma in October 2015 and September 2018. Mr D complained to this service about loan 1 on an earlier occasion and it was not upheld by an a... (3 pages)View decision
