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-4045374
17 Jul 2023 FUND OURSELVES LIMITED Not upheldConsumer CreditDRN-4045374 The complaint Mr L complains that FUND OURSELVES LIMITED (“FOL”) lent to him when he could not afford it. What happened Using information from FOL here is a loan table. There is a gap between loans 5 and 6 which our adjudicator treated as a break in the lending relationship and... (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 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 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 DRN-5529757
14 May 2025 Quidie Limited Not upheldConsumer CreditDRN-5529757 The complaint Mr P complains that Quidie Limited trading as Fernovo lent to him irresponsibly. What happened Mr P took two loans and this table gives a summary. Loan Approved Amount Repay terms (rounded) Amount scheduled to be repaid Status 1 4 June 2024 £500 5 x £141 1 x ... (6 pages)View decision -
Decision Reference DRN1615219
25 May 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMrs K’s complained about payday loans she took out with CURO TRANSATLANTIC LIMITED (trading as Wage Day Advance (“WDA”)). She said her pattern of borrowing should have alerted WDA to the fact that she was in serious financial trouble. backgroundMrs K first borrowed £150 ... (4 pages)View decision -
Decision Reference DRN4400181
2 May 2014 Clydesdale Bank Plc Not upheldBanking and creditMrs H and Mrs J complain that Clydesdale Bank Plc (trading as Yorkshire Bank) has refused to refund disputed transactions on their joint bank account. Mrs H and Mrs J want Yorkshire Bank to refund the money.backgroundDates are central to this complaint.Mrs H and her sister, Mrs J, ha... (2 pages)View decision -
Decision Reference DRN2990688
5 Jan 2015 MBNA Limited Not upheldBanking and creditMr T complains MBNA Limited has applied fees and charges to his credit card when it should not have done so and that it has recorded adverse information about him unfairly.backgroundMr T has a credit card which he says he always used to pay off every month.In 2013 Mr T used his credit ca... (2 pages)View decision -
Decision Reference DRN-5658006
15 Sep 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5658006 Complaint Mr M has complained about a credit card HSBC UK Bank Plc (“HSBC”) provided to him. He says that the credit card was unaffordable for him and caused him ongoing financial difficulty. Background In January 2017, HSBC provided Mr M with a credit card which had a cred... (4 pages)View decision