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 4777 results
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Decision Reference DRN0721005
4 Feb 2020 Tesco Personal Finance PLC Not upheldBanking and creditMr R complains Tesco Personal Finance PLC is holding him liable for a credit card debt which he says was opened and used by fraudsters.backgroundMr R complained to Tesco about a credit card which had been opened in his name. He said he had not made the application – and neither had he mad... (2 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 DRN9109818
30 Apr 2013 The Royal Bank of Scotland Plc Not upheldBanking and creditMr T complains that RBS would not reinstate his overdraft and instead agreed a loan which he says was irresponsible.backgroundMr T had an overdraft limit of £4,000 and when online says he accidentally amended this to £250. He applied for this to be increased again but RBS did not agre... (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 DRN8635151
24 Mar 2018 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr C complains that CURO Transatlantic Limited trading as WageDay Advance (“WDA”) gave him loans that he couldn’t afford to repay.backgroundMr C was given seven loans by WDA between March 2014 and September 2014. He was unable to repay his final loan on the due date ... (3 pages)View decision -
Decision Reference DRN2359568
15 Mar 2019 PDL Finance Limited UpheldBanking and creditMiss M complains that PDL Finance Limited (trading as Mr Lender) gave her loans that she couldn’t afford.backgroundMiss M took out a total of five loans with Mr Lender.LoanDateAmount borrowedNo. of instalmentsDate repaid112.12.15£250616.12.15219.12.15£250324.12.15316.05.1... (3 pages)View decision -
Decision Reference DRN5824975
13 Dec 2018 MYJAR Limited Not upheldBanking and creditMr T complains that MYJAR Limited gave him loans that he couldn’t afford to repay. backgroundMr T has used a claims management company (CMC) to help him make his complaint.The background to this complaint was set out in the provisional decision I issued in October 2018... (3 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 DRN1566969
25 Apr 2017 Casheuronet UK LLC UpheldBanking and creditMr H complains about 11 payday loans and one flex account he took out with CashEuroNet UK LLC (trading as Quick Quid) which he says Quick Quid shouldn’t have given him because the borrowing wasn’t affordable. backgroundMr H’s borrowing history can be found in the appe... (7 pages)View decision