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 DRN8574619
22 Mar 2017 WDFC UK Limited UpheldBanking and creditMiss W complains that WDFC UK Limited, trading as Wonga, provided her with loans which she couldn’t afford.backgroundMiss W took a number of loans from Wonga between February and December 2013. When Miss W complained to Wonga last year, it didn’t agree it had done ... (4 pages)View decision -
Decision Reference DRN7847765
15 Aug 2018 Active Securities Limited UpheldBanking and creditMr W complains that Active Securities Limited, trading as 247Moneybox.com (“Moneybox”) was irresponsible in that it lent money to him when he applied for loans.backgroundMr W says that prior to borrowing from Moneybox he had no disposable income as he had debts. Moneybox ... (4 pages)View decision -
Decision Reference DRN-4051099
21 Jun 2023 FUND OURSELVES LIMITED Not upheldConsumer CreditDRN-4051099 The complaint Mr D complins that FUND OURSELVES LIMITED trading as Fund Ourselves provided him with a loan he couldn’t afford to repay. What happened Fund Ourselves advanced Mr D a loan on 9 August 2020. The loan amount was £200, with an arrangement fee of £100, to be repaid in... (3 pages)View decision -
Decision Reference DRN-2784400
17 Jun 2021 Ferratum UK Ltd Not upheldConsumer CreditDRN-2784400 The complaint Mr G complains that Ferratum UK Ltd was irresponsible in its lending to him. What happened Mr G was provided with one loan by Ferratum in October 2018. The loan was for £200 with just under £250 repayable the following month. Mr G says that at the time of the loan... (3 pages)View decision -
Decision Reference DRN7446169
26 Jan 2021 Bank of Scotland Plc UpheldBanking and creditComplaint Miss A complains, in summary, that Bank of Scotland plc did not help her recover all the money she paid to a binary options trading platform using her Bank of Scotland Mastercard credit card. Background After seeing a well-known celebrity advertising a company, T Ltd, offering bi... (3 pages)View decision -
Decision Reference DRN-5250985
17 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5250985 The complaint Mr L, through a representative, says Vanquis Bank Limited irresponsibly lent to him. What happened Mr L took out a credit card from Vanquis on 7 October 2019. He was given a £1,000 credit limit. This was subsequently reduced to £450 and then increased to £900 o... (3 pages)View decision -
Decision Reference DRN-4576166
23 Apr 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4576166 The complaint Mr C has complained that Creation Consumer Finance Ltd (“Creation”) acted irresponsibly when it provided him with a £2,500 loan in April 2021. Background Mr C applied for a £2,500 loan over 30 months with Creation in April 2021. He has said that at the time he alr... (3 pages)View decision -
Decision Reference DRN2372524
15 May 2017 MEM Consumer Finance Limited UpheldBanking and creditMr C has complained about payday loans he took out with MEM Consumer Finance Limited (trading as Payday UK). He says Payday UK didn’t check whether the loans were affordable, and had it done so, it wouldn’t have lent to him. background Mr C borrowed 8 loans from Pa... (4 pages)View decision -
Decision Reference DRN3223977
27 Sep 2018 Uncle Buck Finance LLP UpheldBanking and creditMr F complains that Uncle Buck Finance LLP (Uncle Buck) gave him loans that he couldn’t afford to repay.backgroundMr F was given five loans by Uncle Buck between May and December 2015. The first two loans were repayable the following month. The remaining three loans ... (3 pages)View decision -
Decision Reference DRN8883177
18 Sep 2018 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr H complains that CURO TRANSATLANTIC LIMITED, trading as WageDay Advance, gave him loans he couldn’t afford to repay. backgroundMr H took out the following loans with WageDay Advance:date£ amount borroweddate repaid12 November 20118015 November 2011228 November 201123015 D... (3 pages)View decision