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-5544905
8 May 2025 HSBC UK Bank Plc Not upheldConsumer CreditDRN-5544905 The complaint X complains HSBC UK Bank Plc (“HSBC”) lent three loans to them irresponsibly between 2006 and 2008. What happened In July 2006, X was provided with a flexi-loan for £2,000. Then in May 2007 a loan for £5,000 was provided – around £4,500 was used to consolidate... (5 pages)View decision -
Decision Reference DRN8890783
8 Jun 2018 Provident Personal Credit Limited UpheldBanking and creditMr S complains that Provident Personal Credit Limited (trading as Satsuma Loans) gave him loans that he couldn’t afford to repay.backgroundThe background to this complaint was set out in the provisional decision that I issued on 27 April 2018. An extract from this is atta... (6 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-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-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 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 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 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 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 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
