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 5125 results
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Decision Reference DRN-3453022
10 Jun 2022 Indigo Michael Limited UpheldConsumer CreditDRN-3453022 The complaint Ms B (through a representative) has complained that Indigo Michael Limited (trading as Safety Net Credit (SNC)) didn’t complete proper affordability checks before approving her Safety Net facility or at each new instance of borrowing. What happened Ms B approached... (4 pages)View decision -
Decision Reference DRN8928671
15 Jan 2020 PDL Finance Limited UpheldBanking and creditMr W complains that PDL Finance Limited (trading as ‘Mr Lender’) lent irresponsibly to him. backgroundBetween May 2016 and December 2016, Mr W took out four loans with Mr Lender. His borrowing history is as follows: Loan numberDate taken outDate repaid Planned number of monthly instalments... (4 pages)View decision -
Decision Reference DRN-3085890
31 Dec 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3085890 The complaint Mrs F complains that Barclays Bank UK PLC trading as Barclaycard (“Barclays”) acted irresponsibly when they increased her credit card limit in February 2015. Mrs F says the lending was unaffordable for her. What happened In March 2007 Mrs F took out a credit card... (4 pages)View decision -
Decision Reference DRN6763949
11 Mar 2021 Loans 2 Go Limited UpheldBanking and creditIn summary, Mr S has complained that Loans 2 Go Limited provided him with a loan when he wasn’t able to afford it. background In September 2018 Loans gave Mr S a loan for £600 repayable over 18 months. It was a high interest loan with an interest rate of 989.9% APR. The total charge for th... (4 pages)View decision -
Decision Reference DRN-2545252
13 May 2021 Greenlight Credit Ltd Not upheldConsumer CreditDRN-2545252 The complaint Miss L complained that Greenlight Credit Limited trading as Varooma lent to her irresponsibly. She also complained that the charges applied to her account were excessive and unfair. What happened Based on the limited information provided, it looked like Miss L was... (4 pages)View decision -
Decision Reference DRN-1224021
6 Apr 2020 Elevate Credit International Limited UpheldConsumer CreditDRN-1224021 The complaint Mr W complains that Elevate Credit International Limited (trading as ‘Sunny’) acted irresponsibly when lending to him. What happened Over the course of a month or so between September and October 2018 Sunny provided Mr W with 4 instalment loans. When they were arr... (4 pages)View decision -
Decision Reference DRN-2813041
26 May 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2813041 The complaint Mr D is unhappy that NewDay Ltd, trading as Aqua, approved him for a credit account which he feels was unaffordable for him at that time. Mr D is also unhappy that NewDay Ltd, trading as Aqua, subsequently increased the credit limit on the account, which he also c... (4 pages)View decision -
Decision Reference DRN1195624
7 Feb 2017 Wage Day Advance Limited UpheldBanking and creditMs A has complained about loans granted to her by Wage Day Advance Limited (“Wage Day” or “the lender”).background The background to this complaint was set out in my provisional decision dated 5 January 2017, a copy of which is attached and forms part of this final ... (5 pages)View decision -
Decision Reference DRN9771168
4 Jan 2019 Casheuronet UK LLC UpheldBanking and creditMiss W complains that CashEuroNet UK LLC (trading as QuickQuid) gave her loans that she couldn’t afford to repay.backgroundThe background to this complaint was set out in the provisional decision I issued in December 2018. An extract from this is attached and forms par... (6 pages)View decision -
Decision Reference DRN-2968503
10 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2968503 The complaint Miss B complains that NewDay Ltd has irresponsibly lent to her. What happened Miss B was accepted for a branded credit card in September 2018 with a credit limit of £500. In February 2019, the credit limit was increased from £500 to £1,400. Miss B was accepted for... (5 pages)View decision
