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-3317187
16 Feb 2022 UK Credit Limited Not upheldConsumer CreditDRN-3317187 The complaint Mr B complains about a guarantor loan provided to him by UK Credit Limited, (“UKC”), which he says was unaffordable. Mr B’s complaint has been brought to this service on his behalf by a claims’ management company. But for ease, I shall refer below to all actions b... (8 pages)View decision -
Decision Reference DRN-3583669
7 Jul 2022 1plus1 Loans Limited Not upheldConsumer CreditDRN-3583669 The complaint Mr M complained that 1Plus1 Loans Limited irresponsibly lent to him when it provided a loan that was unaffordable. What happened Mr M was given a loan by 1Plus1 as follows: Date taken Number of monthly instalments Loan amount Monthly repayment* Total payable Novem... (5 pages)View decision -
Decision Reference DRN-4138215
23 May 2023 Everyday Lending Limited UpheldConsumer CreditDRN-4138215 The complaint Mr K and Miss V, through their representative, complain that Everyday Lending Limited, trading as Everyday Loans, lent to them irresponsibly. e What happened One loan was approved for them in May 2018 for £3,100 with a 24 month term repayable at £303.98. The total... (4 pages)View decision -
Decision Reference DRN-4333096
8 Sep 2023 Tandem Personal Loans Ltd UpheldConsumer CreditDRN-4333096 The complaint Miss D says Oplo PL Ltd irresponsibly lent to her. What happened Miss D took out a 60-month instalment loan from Oplo on 17 September 2020. It was for £15,000 and the monthly repayments were £387.44. The total repayable was £23,246.60. The purpose of the loan was ... (4 pages)View decision -
Decision Reference DRN-4308556
19 Jan 2024 Stagemount Limited Not upheldConsumer CreditDRN-4308556 The complaint Mr R complained through a representative that Stagemount Limited trading as Quidmarket (“Quidmarket”) gave him loans without carrying out sufficient affordability checks. What happened A summary of Mr R’s borrowing can be found in the table below. loan number loan... (4 pages)View decision -
Decision Reference DRN-5427745
24 Sep 2025 PROPEL HOLDINGS (UK) LIMITED Not upheldConsumer CreditDRN-5427745 The complaint Mr H complains that PROPEL HOLDINGS (UK) LIMITED trading as Quidmarket (“Quidmarket”) lent to him irresponsibly. What happened Mr H took three loans and I have done this table to show the lending history. Loan Approved Amount Terms (rounded figures) Status 1 1... (4 pages)View decision -
Decision Reference DRN-4107236
5 May 2023 Santander UK Plc Not upheldBanking and PaymentsDRN-4107236 The complaint Mr S complains that Santander UK Plc failed to refund several transactions from his account that he didn’t authorise resulting in a debt that has impacted his credit rating. What happened Mr S had a gambling account with a merchant I’ll refer to as V and had made ... (4 pages)View decision -
Decision Reference DRN9307706
8 Nov 2016 WDFC UK Limited UpheldBanking and creditMr B complains that WDFC UK Limited (trading as Wonga.com) gave him payday loans that he couldn’t afford to repay.backgroundMr B first borrowed from Wonga in April 2011. His final loan was taken in May 2016. During this period Mr B borrowed on a total of 79 occasion... (4 pages)View decision -
Decision Reference DRN2918012
10 May 2017 Instant Cash Loans Limited UpheldBanking and creditMr M’s complained about a number of short term loans that he took out with Instant Cash Loans Limited (trading as “The Money Shop”). He’s said these loans were unaffordable and the correct affordability checks would’ve shown this.backgroundI attach my provisional deci... (5 pages)View decision -
Decision Reference DRN-5308973
3 Mar 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5308973 The complaint Mr P complains that Bank of Scotland plc trading as Halifax lent to him irresponsibly. What happened Mr P has had an overdraft on his current account with Halifax since 2009. Due to the time elapsed, neither he nor Halifax has been able to show what the initial... (4 pages)View decision
