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 DRN8906904
4 May 2018 WDFC UK Limited UpheldBanking and creditMr H complains WDFC UK Limited, trading as Wonga, lent to him irresponsibly. He says this caused him to spiral into debt and take out loans with other short-term lenders in order to repay Wonga.backgroundMr H’s complaint is about 15 loans he had with Wonga. Mr H had 1... (5 pages)View decision -
Decision Reference DRN0264947
27 Sep 2017 Lending Stream Llc UpheldBanking and creditMrs W complains that Lending Stream LLC gave her loans she couldn’t afford to repay.backgroundMrs W took out the following loans with Lending Stream date £ amount borrowed118 May 2013215222 May 2013205314 July 2013115In August 2013, Mrs W told Lending Stream she coul... (3 pages)View decision -
Decision Reference DRN0114228
21 Jun 2018 Western Circle Limited UpheldBanking and creditMr P complains that Western Circle Ltd, trading as Cashfloat, gave him loans he couldn’t afford to repay.backgroundMr P took out the following loans with Cashfloat: date £ amount borrowedno./£ amount of repayment(s) (rounded)date repaid 118 January 20172001/2663 February 201... (3 pages)View decision -
Decision Reference DRN3259480
1 May 2020 Harvey & Thompson Limited Not upheldBanking and creditMrs F’s complaint is about two loans she took with Harvey and Thompson Limited (H&T). Mrs F says these loans were unaffordable.backgroundH&T provided Mrs F with two instalment loans between November 2017 and April 2018. The loans are detailed below:Loan DateTakenDateRepaidInstalmen... (2 pages)View decision -
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-3651370
31 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3651370 The complaint Mr R complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened In January 2019 Mr R applied for a credit card with Aqua. In his application, Mr R said he was self e... (3 pages)View decision -
Decision Reference DRN4743360
7 Mar 2019 Novaloans Ltd UpheldBanking and creditMr D complains that Novaloans Ltd (trading as Cash4unow) didn’t carry out proper affordability checks and shouldn’t have agreed to lend him 6 loans as he couldn’t pay them back.backgroundMr D took out 6 loans between February 2017 and December 2017. A summary of his bo... (3 pages)View decision -
Decision Reference DRN-4838107
20 Jun 2024 Loans 2 Go Limited Not upheldConsumer CreditDRN-4838107 The complaint Mr K is being represented by his wife. He’s complaining about Loans 2 Go Limited because he says it lent irresponsibly by providing him with a loan he couldn’t afford. What happened In February 2023, following his application, Loans 2 Go gave Mr K with a loan of £... (3 pages)View decision -
Decision Reference DRN-3284413
19 Mar 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3284413 The complaint Miss S has complained that Everyday Lending Limited (EDL) lent to her irresponsibly. What happened Miss S was given a loan of £5,100 by EDL in May 2019. This was due to be repaid in 36 monthly instalments of around £368. The total amount payable, including intere... (3 pages)View decision -
Decision Reference DRN-4186088
21 Sep 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4186088 The complaint Mr K complains that NewDay Ltd lent to him irresponsibly. What happened Mr K applied for a credit card with NewDay in November 2018. He opened the account with a £450 credit limit. Over the course of the agreement the credit limit was increased four times until th... (3 pages)View decision
