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 5443 results
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Decision Reference DRN-2509622
5 Nov 2021 Match the Cash Limited UpheldConsumer CreditDRN-2509622 The complaint Miss K complains Match The Cash Limited trading as Guarantormyloan.tv unfairly brought about two unaffordable guarantor loans for her. What happened Match The Cash brought about two loans for Miss K via its electronic lending system: Date of loan Capital Amount Te... (4 pages)View decision -
Decision Reference DRN-5031533
1 Oct 2024 Loans 2 Go Limited UpheldConsumer CreditDRN-5031533 Complaint Mr H has complained that Loans 2 Go Limited (“L2G”) provided him with an unaffordable loan. Background L2G provided Mr H with a loan of £1,400.00 in May 2021. This loan had an APR of 277.8% and a 104-week term. This all meant the total amount repayable of £4,053.9... (4 pages)View decision -
Decision Reference DRN7771755
18 Apr 2018 CURO TRANSATLANTIC LIMITED Not upheldBanking and creditMr F complains that Curo transatlantic limited (trading as Wage Day Advance) gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges and removes information about the loans from his credit file. Mr F is represented by a claim man... (2 pages)View decision -
Decision Reference DRN0280211
24 Jan 2018 WDFC UK Limited UpheldBanking and creditMr S complains that WDFC UK Limited trading as wonga.com (“Wonga”) gave him loans that were unaffordable.backgroundMr S took out 23 loans and seven top ups from Wonga between July 2011 and December 2012. Here’s a summary of Mr S’s borrowing history with Wonga: loan... (4 pages)View decision -
Decision Reference DRN-1835400
18 May 2020 Lloyds Bank PLC UpheldBanking and PaymentsDRN-1835400ComplaintMr D has complained about the overdraft on his Lloyds Bank PLC (“Lloyds”) bank account. He’s said that he had a gambling problem, between 2013 and 2018, which ought to have been apparent from his statements. And in these circumstances, it was unfair to lend to him, let ... (14 pages)View decision -
Decision Reference DRN7094804
15 May 2014 National Westminster Bank Plc Not upheldBanking and creditMr D complains that National Westminster Bank Plc (“NatWest”) wrongly holds him liable for online gaming payments made from his account.backgroundMr D holds a current account with NatWest, for which he has a plastic card. The disputed withdrawals were all made online, to gaming comp... (2 pages)View decision -
Decision Reference DRN2821302
6 Mar 2018 Evergreen Finance London Ltd Not upheldBanking and creditMr W complains that Evergreen Finance London Limited (trading as Moneyboat) gave him loans that he couldn’t afford to repay.backgroundMr W was given three loans by Moneyboat between April 2016 and April 2017. Each of his loans was repayable in six monthly instalments, and... (2 pages)View decision -
Decision Reference DRN0255376
22 Nov 2016 Cashbridge Corporation Ltd UpheldBanking and creditMr A complains that Cashbridge Corporation Ltd (trading as Credio) was irresponsible to lend him money when he already had multiple payday loans with other companies.backgroundMr A says he was using payday loans in order to maintain his mortgage repayments. Credio ag... (2 pages)View decision -
Decision Reference DRN-2607146
11 Mar 2021 Lloyds Bank PLC Not upheldInvestmentsDRN-2607146 The complaint Mr and Mrs D, represented by a claims management company (CMC), complain that they were mis-sold a Guaranteed Stock Market Bond (GSMB) by Lloyds Bank PLC. What happened In 1997 Mr and Mrs D were advised to invest £5,000 in the GSMB. It was for a five-year term and... (3 pages)View decision -
Decision Reference DRN-5381091
29 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5381091 The complaint Mr K complains that Vanquis Bank Limited irresponsibly lent to him. Mr K is represented by a solicitor’s firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr K himself. What happe... (2 pages)View decision