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 5162 results
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Decision Reference DRN0975403
18 Dec 2019 Provident Personal Credit Limited UpheldBanking and creditMr H says Provident Personal Credit Limited (trading as Satsuma Loans) irresponsibly lent to him.backgroundThis complaint is about seven instalment loans Satsuma provided to Mr H between January and August 2017. Mr H’s borrowing history is as follows: Loan numberPrincipal (£)StartEndTotal ... (6 pages)View decision -
Decision Reference DRN-3280295
14 Feb 2022 MBNA Limited Not upheldBanking and PaymentsDRN-3280295 The complaint Mr W complains that MBNA Limited won’t refund credit card payments he was tricked into making towards a fictitious investment. What happened The detailed background to this complaint is well known to both parties, so I’ll only provide an overview of some of the ke... (5 pages)View decision -
Decision Reference DRN5872935
11 Mar 2021 DTW Associates Limited UpheldBanking and creditMr H has complained that DTW Associates Limited trading as Auto Advance Logbook Loans (“DTW”) was irresponsible to have agreed credit for him. background DTW provided Mr H with a loan of £1,500 on 13 August 2018. The total repayable including interest and charges came to £4,020, to be repa... (5 pages)View decision -
Decision Reference DRN-5494879
30 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5494879 The complaint Miss K complains that NewDay Ltd trading as Aqua was irresponsible in its lending to her. What happened Miss K was provided with an Aqua credit card account in December 2021 with an initial credit limit of £1,200. Miss K has explained that she had fled domestic... (4 pages)View decision -
Decision Reference DRN6625623
2 Aug 2016 Forex Capital Markets Limited Not upheldInvestment and pensionsMr E’s complaint is about a trading account he opened with Forex Capital Markets Limited (FXCM) in July 2011.In summary the main points of his complaint are as follows: The extent of the risks involved in forex trading wasn’t made sufficiently clear to him. ... (2 pages)View decision -
Decision Reference DRN-3084855
9 Nov 2021 247 Money Group Limited Not upheldConsumer CreditDRN-3084855 The complaint Mr C complains that 247 Money Group Limited trading as 247Money irresponsibly granted him a hire purchase agreement he couldn’t afford to repay. What happened In October 2019 Mr C acquired a used car financed by a hire purchase agreement from 247Money. Mr C was re... (2 pages)View decision -
Decision Reference DRN-4856114
19 Jun 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4856114 The complaint Mr M complains that Vanquis Bank Limited irresponsibly approved his credit card account application which was unaffordable. What happened Mr M says he opened a Vanquis credit card account. He says the lending was irresponsible and unaffordable. Mr M says Vanquis d... (2 pages)View decision -
Decision Reference DRN2444104
17 May 2017 WDFC UK Limited UpheldBanking and creditMr N complains that WDFC UK Limited (trading as wonga.com) gave him unaffordable payday loans. He wants a refund of the interest and charges he paid. backgroundMr N had 15 loans from Wonga between September 2011 and September 2013. He said proper checks would have s... (2 pages)View decision -
Decision Reference DRN3679124
28 Sep 2016 WDFC UK Limited UpheldBanking and creditMr H complains that WFDC UK Limited trading as Wonga (“Wonga”) gave him unaffordable payday loans. He wants some of the interest and fees refunded, together with interest.backgroundMr H took out 20 payday loans with Wonga over a twenty-five month period between 2011... (2 pages)View decision -
Decision Reference DRN5871104
18 May 2016 Pixie Loans Limited UpheldBanking and creditMr G complains that Pixie Loans Limited lent to him irresponsibly. He would like any interest charged refunded and his credit file amended.background Mr G applied for a loan from Pixie Loans in September 2015 for £220 and another loan in October 2015 for £300. Thes... (2 pages)View decision
