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 4808 results
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Decision Reference DRN-3879758
13 Jan 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3879758 The complaint Mr S has complained that NewDay Ltd trading as Aqua irresponsibly lent to him. What happened Mr S opened a credit card account with NewDay (trading as Aqua) in April 2018. His credit limit was £250. The limit was never increased. Mr S suggests that NewDay shouldn... (2 pages)View decision -
Decision Reference DRN3139763
21 Feb 2017 WDFC UK Limited UpheldBanking and creditMr L complains that WDFC UK Limited (trading as Wonga.com) didn’t carry out proper affordability checks and irresponsibly granted him unaffordable payday loans. He says he was trapped in a spiral of debt. He wants the charges and interest refunded and his credit file amend... (3 pages)View decision -
Decision Reference DRN2943346
14 May 2019 Emergency Cash Limited UpheldBanking and creditMr H complains that Emergency Cash Limited (trading as Wizzcash.com) was irresponsible to lend him money.background Mr H had four loans from Wizzcash between July 2016 and February 2017 as follows:Loan Date AmountTermRepayment DueRepaid 127 Jul 2016£3403m£170.6325 Oct 2016On... (2 pages)View decision -
Decision Reference DRN1618541
4 Feb 2020 Quidie Limited UpheldBanking and creditMr L says that Quidie Limited irresponsibly lent to him.backgroundThis complaint is about 4 instalment loans Quidie provided to Mr L between October 2017 and August 2018. Mr L’s borrowing history is as follows:LoanDate TakenDateRepaidInstalmentsAmountApprox.MaximumRepayment105/10/201731/03... (3 pages)View decision -
Decision Reference DRN0037929
5 Nov 2018 XTB Limited Not upheldInvestment and pensionsMr S complains XTB Limited wrongly closed out three of his trades on his spread betting account (for two different reasons) which caused him a financial loss of £350.58.backgroundMr S opened his trading account with XTB in December 2017, funding his account and p... (2 pages)View decision -
Decision Reference DRN-2209692
23 Mar 2021 Advancis Limited UpheldConsumer CreditDRN-2209692 Complaint Mr D has complained that Advancis Limited (trading as “Buddy Loans”) irresponsibly provided him with unaffordable guarantor loans. Background Buddy Loans provided Mr D with two guarantor loans. Loan 1 was for £4,000.00 and provided in June 2017. This loan had an APR ... (5 pages)View decision -
Decision Reference DRN-3522649
17 Jun 2022 Mobile Money Limited Not upheldConsumer CreditDRN-3522649 The complaint Mr Z has complained that Mobile Money Limited (“MML”) was irresponsible to have agreed credit for him. What happened MML provided Mr Z with a loan of £2,300 in June 2019. The total amount of £4,815, including interest and charges, was to be repaid in 18 monthly in... (4 pages)View decision -
Decision Reference DRN-2570871
9 Mar 2021 Novaloans Ltd UpheldConsumer CreditDRN-2570871 The complaint Mr H complains about five loans that he took out with Novaloans Limited, trading as Cash4uNow, (“NL”), which he said were unaffordable. What happened Mr H was given five instalment loans by NL from November 2015 to June 2017. All the loans have been repaid. A summ... (7 pages)View decision -
Decision Reference DRN-4675124
16 Apr 2024 Omni Capital Retail Finance Limited UpheldConsumer CreditDRN-4675124 The complaint Mr P says Omni Capital Retail Finance Limited lent irresponsibly when providing him with a loan in 2016. What happened In October 2016, Omni loaned Mr P £657 over a 24-month term. The purpose of the loan was to purchase alloy wheels. The interest rate on the loan ... (3 pages)View decision -
Decision Reference DRN-3224654
21 Dec 2021 Nine Regions Limited UpheldConsumer CreditDRN-3224654 Complaint Mr F has complained that Nine Regions Limited (“Nine Regions”) provided him with an unaffordable logbook loan. Background and my provisional decision of 20 December 2021 Nine Regions provided Mr F with a loan of £1,250 in March 2011. This loan had an APR of 466% and ... (3 pages)View decision
