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 5478 results
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Decision Reference DRN-4107236
5 May 2023 Santander UK Plc Not upheldBanking and PaymentsDRN-4107236 The complaint Mr S complains that Santander UK Plc failed to refund several transactions from his account that he didn’t authorise resulting in a debt that has impacted his credit rating. What happened Mr S had a gambling account with a merchant I’ll refer to as V and had made ... (4 pages)View decision -
Decision Reference DRN-4333096
8 Sep 2023 Tandem Personal Loans Ltd UpheldConsumer CreditDRN-4333096 The complaint Miss D says Oplo PL Ltd irresponsibly lent to her. What happened Miss D took out a 60-month instalment loan from Oplo on 17 September 2020. It was for £15,000 and the monthly repayments were £387.44. The total repayable was £23,246.60. The purpose of the loan was ... (4 pages)View decision -
Decision Reference DRN-4138215
23 May 2023 Everyday Lending Limited UpheldConsumer CreditDRN-4138215 The complaint Mr K and Miss V, through their representative, complain that Everyday Lending Limited, trading as Everyday Loans, lent to them irresponsibly. e What happened One loan was approved for them in May 2018 for £3,100 with a 24 month term repayable at £303.98. The total... (4 pages)View decision -
Decision Reference DRN-4308556
19 Jan 2024 Stagemount Limited Not upheldConsumer CreditDRN-4308556 The complaint Mr R complained through a representative that Stagemount Limited trading as Quidmarket (“Quidmarket”) gave him loans without carrying out sufficient affordability checks. What happened A summary of Mr R’s borrowing can be found in the table below. loan number loan... (4 pages)View decision -
Decision Reference DRN-5427745
24 Sep 2025 PROPEL HOLDINGS (UK) LIMITED Not upheldConsumer CreditDRN-5427745 The complaint Mr H complains that PROPEL HOLDINGS (UK) LIMITED trading as Quidmarket (“Quidmarket”) lent to him irresponsibly. What happened Mr H took three loans and I have done this table to show the lending history. Loan Approved Amount Terms (rounded figures) Status 1 1... (4 pages)View decision -
Decision Reference DRN-3583669
7 Jul 2022 1plus1 Loans Limited Not upheldConsumer CreditDRN-3583669 The complaint Mr M complained that 1Plus1 Loans Limited irresponsibly lent to him when it provided a loan that was unaffordable. What happened Mr M was given a loan by 1Plus1 as follows: Date taken Number of monthly instalments Loan amount Monthly repayment* Total payable Novem... (5 pages)View decision -
Decision Reference DRN1955372
10 Oct 2018 Provident Personal Credit Limited Not upheldBanking and creditMr F complains that Provident Personal Credit Limited (“Provident”) lent to him irresponsibly. backgroundMr F took out two loans with Provident in 2012. One for £300 in March was settled a few months later but he took another loan out in September for £500 and this ... (2 pages)View decision -
Decision Reference DRN-5793475
7 Oct 2025 Shop Direct Finance Company Limited UpheldConsumer CreditDRN-5793475 Complaint Mr B has complained that Shop Direct Finance Company Limited (“Shop Direct”) irresponsibly provided him with a catalogue shopping accounts and limit increase. He’s said that that this caused financial difficulty and resulted in him having to take out a lot of other... (6 pages)View decision -
Decision Reference DRN9307706
8 Nov 2016 WDFC UK Limited UpheldBanking and creditMr B complains that WDFC UK Limited (trading as Wonga.com) gave him payday loans that he couldn’t afford to repay.backgroundMr B first borrowed from Wonga in April 2011. His final loan was taken in May 2016. During this period Mr B borrowed on a total of 79 occasion... (4 pages)View decision -
Decision Reference DRN0464826
31 Dec 2019 MBNA Limited Not upheldBanking and creditMrs N complains that MBNA Limited won’t reimburse her for her losses after she used her credit card to transfer money to an investment business that turned out to be a scam. backgroundMrs N opened a trading account with a business which I’ll refer to as “T”. T was a binary options trading... (2 pages)View decision