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 DRN2466441
13 Nov 2017 Casheuronet UK LLC UpheldBanking and creditMr M has complained about payday loans he took out with CashEuroNet UK LLC trading as “Quick Quid”. Mr M says that the loans were unaffordable, which led to him borrowing further amounts to repay his previous loans.backgroundI issued a provisional decision on this c... (6 pages)View decision -
Decision Reference DRN-3722313
4 Nov 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3722313 The complaint Miss T complains that Everyday Lending Limited trading as Everyday Loans (Everyday) irresponsibly lent her money on a high cost loan which she couldn’t afford the repayments for. What happened Everyday provided a loan to Miss T on 13 February 2017, of £3,000 repay... (4 pages)View decision -
Decision Reference DRN-5415624
19 Jun 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5415624 The complaint Mr D says Moneybarn No. 1 Limited, (‘Moneybarn’), irresponsibly lent to him. He says that it didn’t take reasonable steps to ensure he could afford the repayments towards a conditional sale agreement to purchase a car. He says that, at the time of sale, he had... (4 pages)View decision -
Decision Reference DRN-3990051
24 Apr 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3990051 The complaint Miss A has complained that Barclays Bank UK PLC won’t refund transactions she says she didn’t make or otherwise authorise. What happened In autumn 2022, Miss A was abroad. She says was using her phone a lot in a restaurant and someone must have overlooked her ente... (3 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 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 DRN4967695
21 Jul 2016 The Royal Bank of Scotland Plc Not upheldBanking and creditMr M complains that The Royal Bank of Scotland Plc (“RBS”) wrongly declined a payment that he made with his debit card.backgroundMr M complains that, having moved £40,000 into his card account, he attempted to make a £40,000 debit card payment at a bookmakers’ to c... (2 pages)View decision -
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 DRN6988791
16 Jan 2020 PDL Finance Limited UpheldBanking and creditMr B complains that PDL Finance Limited (trading as Mr Lender) irresponsibly gave him loans he couldn’t afford to pay back.backgroundMr Lender gave Mr B 6 loans between July 2016 and December 2017. A summary of Mr B’s lending is as follows:LoanDate TakenDate RepaidInstalmentsAmountHighest ... (4 pages)View decision
