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 DRN8453375
6 Nov 2017 WDFC UK Limited UpheldBanking and creditMr S complains that WDFC UK Limited, trading as Wonga, gave him loans that he couldn’t afford to pay back.backgroundMr S took out 16 loans with Wonga between February 2012 and April 2013.loandate takenamountdeferrals/top upsdate repaid17 February 2012£10024 February 201... (3 pages)View decision -
Decision Reference DRN-2631321
13 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2631321 The complaint Ms T complains that NewDay Ltd – trading as Aqua – were irresponsible in approving a credit card for her because she thinks it was unaffordable, and she says she was vulnerable due to her poor mental health at the time. When I refer to what Ms T has said, and Aqua... (7 pages)View decision -
Decision Reference DRN4325148
14 Dec 2016 Provident Personal Credit Limited UpheldBanking and creditMr D has complained about two loans taken out with Provident Personal Credit Limited, trading as Satsuma Loans (“Satsuma” or “the lender”).backgroundSatsuma agreed two loans for Mr D – one for £250 in September 2014 and a second in March 2016 for an amount of £500. Both... (2 pages)View decision -
Decision Reference DRN2848627
6 Jun 2017 Lending Stream Limited UpheldBanking and creditMr C complains that Lending Stream LLC made short-term lending to him when it shouldn’t have.backgroundLending Stream made seven short-term loans to Mr C. He later complained that they hadn't been affordable for him.Our investigator recommended that the complaint... (3 pages)View decision -
Decision Reference DRN-4507745
3 Apr 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4507745 The complaint Ms R, via a third party, complains that Moneybarn No. 1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with her. She says that due to her personal and financial circumstances at the relevant time the agreement was unaffordable. What happe... (3 pages)View decision -
Decision Reference DRN5715381
24 Sep 2019 Provident Personal Credit Limited UpheldBanking and creditMr C complains that Provident Personal Credit Limited (trading as Satsuma) was irresponsible to lend to him.backgroundMr C had four loans from Satsuma between January 2017 and January 2018 as follows:Loan Date AmountTermRepayment Due Repaid 124 Jan 2017£1,0003m£492.0024 Apr 2017On time23 A... (3 pages)View decision -
Decision Reference DRN2074639
17 Mar 2020 Harvey & Thompson Limited UpheldBanking and creditMr J complains that Harvey and Thompson Limited (‘H&T’) lent irresponsibly to him. backgroundOn 25 July 2017, Mr J borrowed £500 from H&T. Before it agreed to lend that amount, H&T asked Mr J to provide information about his income and expenditure. It also undertook a credit ch... (3 pages)View decision -
Decision Reference DRN-4172294
6 Jun 2023 Santander UK Plc UpheldBanking and PaymentsDRN-4172294 Complaint Mr M has complained that Santander UK Plc (“Santander”) irresponsibly provided him with an overdraft which it continued applying charges on even when he was in financial difficulty. Background One of our adjudicators looked at Mr M’s complaint and thought we could loo... (3 pages)View decision -
Decision Reference DRN-5079948
17 Oct 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5079948 The complaint Mr B, through a representative, says Vanquis Bank Limited irresponsibly lent to him. What happened Mr B took out a credit card from Vanquis on 20 July 2016. He was given a credit limit of £250. This was increased to £750 in February 2017, to £1,750 in October 2... (3 pages)View decision -
Decision Reference DRN-3955093
28 Jun 2023 My Finance Club Limited Not upheldConsumer CreditDRN-3955093 The complaint Mr S complains that My Finance Club lent to him when it should not have done. He complains that the most basic of checks by My Finance Club would have shown the state of his finances and led it not to have lent to him. What happened On 31 May 2022 Mr S was approve... (3 pages)View decision
