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 5478 results
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Decision Reference DRN7538168
28 Mar 2019 Uncle Buck Finance LLP UpheldBanking and creditMr C complains that Uncle Buck Finance LLP, trading as Uncle Buck, (“UBF”), gave himloans that he couldn’t afford to repay.backgroundMr C took out three loans with UBF and details of these are shown below. The loans were allrepayable by three monthly instalments and h... (6 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 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 DRN8846175
9 Mar 2020 Everyday Lending Limited UpheldBanking and creditMr K has complained about a personal loan Everyday Lending Limited, trading as Everyday Loans, provided to him. He says Everyday Loans shouldn’t have given him the loan as it was unaffordable.backgroundMr K took out a loan for £1,500 with Everyday Loans in June 2016, to be repaid over 24 m... (3 pages)View decision -
Decision Reference DRN2836614
22 Mar 2018 Oakbrook Finance Limited Not upheldBanking and creditMr G complains that Oakbrook Finance Limited trading as Likely Loans (‘‘Oakbrook’’) lent to him irresponsibly because he was in financial difficulty at the time of applying for a loan. The amount Mr G says he applied for, and the amount Oakbrook lent him is also in d... (3 pages)View decision -
Decision Reference DRN-4191741
21 Jun 2023 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-4191741 The complaint Mr K complains about a cash advance fee applied to his credit card by Clydesdale Bank Plc trading as Virgin Money. What happened Mr K has a credit card with Virgin Money. Last year, Virgin Money issued revised terms and conditions in relation to the credit card an... (3 pages)View decision -
Decision Reference DRN-6004826
4 Feb 2026 PRA Group (UK) Limited Not upheldConsumer CreditDRN-6004826 The complaint Mr G complains PRA Group (UK) Limited have unfairly turned down his request to write off his debt with them. What happened As I understand it Mr G had a credit card account with a lender I’ll refer to as B. Mr G accumulated a debt on this account through compul... (3 pages)View decision -
Decision Reference DRN-4246148
7 Dec 2023 My Finance Club Limited Not upheldConsumer CreditDRN-4246148 The complaint Mr E complains that My Finance Club Limited (“MFC”) gave him a loan without looking at his financial situation. Mr E says that, had it made better checks, it would’ve seen that he had a “bad credit record”. What happened Mr E was advanced one loan of £400 on 30 Ap... (3 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 DRN8758844
25 Oct 2016 Inventive Finance Limited UpheldBanking and creditMr N has complained about short-term loans granted to him by Inventive Finance Limited trading as Ladder Loans (“Ladder Loans” or “the lender”).backgroundLadder Loans agreed two loans for Mr N in 2012. Mr N says these loans were unaffordable for him. And that Ladder Loa... (3 pages)View decision