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 DRN-4414608
13 Nov 2023 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-4414608 The complaint Mr P complains that Tesco Personal Finance PLC trading as Tesco Bank (‘Tesco Bank’) irresponsibly gave a loan that he couldn’t afford. What happened In July 2016 Mr P asked for and was given a loan for £6,000 which had a term of five years. The purpose of the loan... (3 pages)View decision -
Decision Reference DRN-3167884
6 Jan 2022 TFS Loans Limited UpheldConsumer CreditDRN-3167884 The complaint Mr M complains that TFS Loans Limited lent to him in an irresponsible manner. What happened Mr M was given a single loan by TFS in March 2017. He borrowed £7,500 and agreed to repay the loan in 48 monthly instalments. Mr M repaid his loan in December 2020. Mr M’s ... (3 pages)View decision -
Decision Reference DRN-5865586
11 Dec 2025 Plata Finance Limited Not upheldConsumer CreditDRN-5865586 Complaint Miss B has complained about a loan Plata Finance Limited (“Plata”) provided to her. She says the loan was unaffordable and so shouldn’t have been provided. Background Plata provided Miss B with a loan for £2,000.00 in April 2024. This loan was due to be repaid in ... (3 pages)View decision -
Decision Reference DRN9896788
12 Apr 2019 Casheuronet UK LLC UpheldBanking and creditMr H has complained about short-term loans granted to him by CashEuroNet UK LLC trading as “QuickQuid”. Mr H says he couldn’t afford these loans and that QuickQuid didn’t take appropriate steps to check whether he could afford them when he took them out. backgroundQuickQu... (5 pages)View decision -
Decision Reference DRN5937921
15 May 2017 WDFC UK Limited UpheldBanking and creditMr A complains that WDFC UK Limited (trading as wonga.com) gave him payday loans without carrying out adequate affordability checks. He wants a refund of the interest and charges he paid. backgroundMr A had 21 loans from Wonga between November 2013 and April 2016. H... (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-4028223
12 Apr 2023 Retail Money Market Ltd Not upheldConsumer CreditDRN-4028223 The complaint Mr S complains that Retail Money Market Ltd trading as RateSetter irresponsibly gave him a peer-to-peer loan he couldn’t afford to repay. What happened In May 2018, Mr S applied for a peer-to-peer loan with RateSetter. His application was approved, and he was give... (3 pages)View decision -
Decision Reference DRN-5630221
23 Jun 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5630221 The complaint Mr P complains that Capital One (Europe) plc lent irresponsibly when it approved his credit card application. What happened Mr P applied for a Capital One credit card in June 2022. In his application, Mr P said he was employed with an annual income of £35,000.... (3 pages)View decision -
Decision Reference DRN-5409916
1 Sep 2025 Barclays Bank UK PLC Not upheldConsumer CreditDRN-5409916 The complaint Mr C complains Barclays Bank UK Plc (“Barclays”) irresponsibly lent him a loan that caused him foreseeable harm. What happened Mr C applied for a loan with Barclays in April 2024. The application was accepted, and he was provided with a loan for £6,000 over 18... (3 pages)View decision -
Decision Reference DRN1380217
27 Nov 2017 Active Securities Limited UpheldBanking and creditMr M complains that Active Securities Limited (trading as 247 Money Box) was irresponsible to continue to lend him money when he had insufficient disposable income and was using one loan to repay another.backgroundMr M had 40 loans from 247 Money Box between March 2013... (3 pages)View decision