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 DRN-1699318
27 Mar 2020 Indigo Michael Limited UpheldConsumer CreditDRN-1699318 ComplaintMiss H has complained that Indigo Michael Limited (trading as Safety Net Credit (SNC)) irresponsibly lent to her which caused her to be financially dependent on its loans. Miss H says SNC should have noticed that the loans were increasing in size and her repeated use w... (6 pages)View decision -
Decision Reference DRN-4159440
30 Aug 2023 PDL Finance Limited Not upheldConsumer CreditDRN-4159440 The complaint Mr K complains that PDL Finance Limited, trading as Mr Lender, lent to him when he could not afford it. He says that proper checks would have revealed he was a gambler and he had an Individual Voluntary Arrangement (IVA) in place. What happened Mr K took one loan ... (3 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 -
Decision Reference DRN3793623
16 Oct 2018 PDL Finance Limited UpheldBanking and creditMr R complains that PDL Finance Limited, trading as Mr Lender, gave him loans which trapped him in a spiral of debt and he couldn’t afford to pay them back.backgroundMr R borrowed five times from Mr Lender, as follows: loan numberdate takenamount borrowedrepayment term... (3 pages)View decision -
Decision Reference DRN7379645
17 Nov 2016 Casheuronet UK LLC UpheldBanking and creditMr C complains that CashEuroNet UK LLC (trading as QuickQuid) gave him loans that he couldn’t afford to repay.backgroundMr C took his first loan from QuickQuid in July 2011. The loan was for £400. It appears that he rolled that loan over three times before repayi... (3 pages)View decision -
Decision Reference DRN-3022423
22 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3022423 The complaint Mrs S complains about NewDay Ltd trading as Aqua’s (“Aqua”) decision to increase her credit limit. What happened Mrs S was accepted for a credit card by Aqua in June 2019 and given an initial credit limit of £450. Mrs S says she used this account for gambling and... (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 -
Decision Reference DRN8924781
26 Jan 2019 Nationwide Building Society Not upheldBanking and creditMr J complains that problems with Nationwide Building Society’s systems prevented him from making payments to place bets online which caused him financial loss.backgroundMr J attempted to make several payments to an online gambling account in November 2018 but the payme... (1 page)View decision