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 DRN8928671
15 Jan 2020 PDL Finance Limited UpheldBanking and creditMr W complains that PDL Finance Limited (trading as ‘Mr Lender’) lent irresponsibly to him. backgroundBetween May 2016 and December 2016, Mr W took out four loans with Mr Lender. His borrowing history is as follows: Loan numberDate taken outDate repaid Planned number of monthly instalments... (4 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 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 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-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 DRN6763949
11 Mar 2021 Loans 2 Go Limited UpheldBanking and creditIn summary, Mr S has complained that Loans 2 Go Limited provided him with a loan when he wasn’t able to afford it. background In September 2018 Loans gave Mr S a loan for £600 repayable over 18 months. It was a high interest loan with an interest rate of 989.9% APR. The total charge for th... (4 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 DRN-2043640
13 Sep 2020 Everyday Lending Limited UpheldConsumer CreditDRN-2043640The complaintMr H has complained about a guarantor loan that was given to him by Everyday Lending Limited (EDL). What happenedMr H was given a loan for £6,000 by EDL in March 2019. The loan was due to be repaid in 60 monthly instalments of around £236. The total amount payable, ... (4 pages)View decision -
Decision Reference DRN2170917
1 Jul 2014 Bank of Scotland Plc Not upheldBanking and creditMr D complains that Bank of Scotland plc (“Intelligent Finance”) has held him responsible for a debt created on his account when he made transactions which left it over £13,000 overdrawn. This was despite the authorised overdraft limit being less than £1,000.background The circumstances ... (5 pages)View decision