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 DRN8054600
14 Jul 2017 WDFC UK Limited UpheldBanking and creditMrs S complains about payday loans she took out with WDFC UK Limited (trading as Wonga) which she says Wonga shouldn’t have given her because the loans weren’t affordable. backgroundA summary of Mrs S’s borrowing history is as follows; loan numberloan amountreceived d... (4 pages)View decision -
Decision Reference DRN1955372
10 Oct 2018 Provident Personal Credit Limited Not upheldBanking and creditMr F complains that Provident Personal Credit Limited (“Provident”) lent to him irresponsibly. backgroundMr F took out two loans with Provident in 2012. One for £300 in March was settled a few months later but he took another loan out in September for £500 and this ... (2 pages)View decision -
Decision Reference DRN-4459922
16 Nov 2023 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-4459922 The complaint Mr E seeks to complain about National Westminster Bank Plc’s actions in relation to an overdraft facility he’s held with the bank since 2012. He believes the bank should have done more to take proper account of the suitability of the credit limit he had in light o... (6 pages)View decision -
Decision Reference DRN0617782
12 Mar 2019 PDL Finance Limited UpheldBanking and creditMrs S complains that PDL Finance Limited (trading as Mr Lender) was irresponsible to lend to her.backgroundMrs S borrowed £250 from Mr Lender in May 2011. She says if Mr Lender had done better checks it would’ve found she was in financial difficulty and using one l... (2 pages)View decision -
Decision Reference DRN7821682
13 Oct 2017 Madison CF UK Limited Not upheldBanking and creditMr C complains that Madison CF UK Limited (trading as 118 118 Money) lent him money that was unaffordable. He feels it’s acted irresponsibly.backgroundMr C took out a loan of £1,000 for 18 months with 118 118 in 2015. He took a further loan 12 months later to conso... (2 pages)View decision -
Decision Reference DRN-2100472
21 Aug 2020 Advancis Limited UpheldConsumer CreditDRN-2100472 The complaintMiss C complains Advancis Limited trading as Buddy Loans lent to her irresponsibly. She says Buddy Loans did not complete proportionate and thorough checks before it agreed to lend to her. She says had it done so it would’ve realised the loan was unaffordable. Mis... (5 pages)View decision -
Decision Reference DRN-2232756
12 Jan 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2232756 The complaint Miss K complains that the loan she had from Loans 2 Go Limited was unaffordable to her. What happened Miss K took out a fixed sum loan with Loans 2 Go on 23 July 2019. She borrowed £1,200 and was due to repay £274.27 monthly for 18 months, finishing on 23 January... (4 pages)View decision -
Decision Reference DRN9574487
15 Jun 2015 Nationwide Building Society UpheldBanking and creditMr F complains that Nationwide Building Society unfairly re-debited his account with a fraudulent transaction, taking him overdrawn and causing him financial difficulty. backgroundMr F had a current account with Nationwide. He noticed three card transactions on his accoun... (2 pages)View decision -
Decision Reference DRN0464826
31 Dec 2019 MBNA Limited Not upheldBanking and creditMrs N complains that MBNA Limited won’t reimburse her for her losses after she used her credit card to transfer money to an investment business that turned out to be a scam. backgroundMrs N opened a trading account with a business which I’ll refer to as “T”. T was a binary options trading... (2 pages)View decision -
Decision Reference DRN-1660370
23 Mar 2020 Gain Credit LLC UpheldConsumer CreditDRN-1660370ComplaintMr H has complained that Gain Credit LLC (trading as “Drafty”) irresponsibly provided him with unaffordable open-ended credit facilities. BackgroundDrafty provided Mr H with a total of seven open-ended credit facilities. These were running account facilities where a con... (4 pages)View decision
