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-4087530
26 Apr 2023 Everyday Lending Limited Not upheldConsumer CreditDRN-4087530 Complaint Mr N has complained about a loan Everyday Lending Limited (trading as “Everyday Loans”) provided to him. He says the loan was unaffordable and shouldn’t have been provided to him. Background Everyday Loans provided Mr N with a loan for £1,000.00 in July 2021. This loa... (2 pages)View decision -
Decision Reference DRN7283237
25 Aug 2015 Wage Day Advance Limited Not upheldBanking and creditMr I took out loans with Wage Day Advance Limited (‘Wage Day’). He’s complained to us because he doesn’t think Wage Day did enough to check he could afford to pay them back. backgroundMr I took out his first loan with Wage Day, in March 2013. He then took out fiv... (2 pages)View decision -
Decision Reference DRN2086185
9 Oct 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr P complains that Curo Transatlantic Limited trading as Wage Day Advance (WDA) gave him payday loans he couldn’t afford. He wants a refund of the interest and charges he paid, with interest.backgroundMr P had twelve loans from WDA between April 2009 and July 2013. ... (2 pages)View decision -
Decision Reference DRN-2569515
26 Feb 2021 Loans 2 Go Limited Not upheldConsumer CreditDRN-2569515 The complaint Mr M complains that Loans 2 Go Limited acted irresponsibly by granting him a loan that was unaffordable. He’s also unhappy about the amount of interest he’s been charged. What happened In October 2019, Mr M took out a loan with Loans 2 Go for £500. He later compla... (2 pages)View decision -
Decision Reference DRN-3978037
10 Mar 2023 Madison CF UK Limited Not upheldConsumer CreditDRN-3978037 The complaint Mr J complains that Madison CF UK Limited trading as 118 118 Money irresponsibly lent to him. Mr J says the lending increased his debt and he couldn’t afford to repay it. What happened In April 2020, 118 118 Money lent Mr J a loan for £1,000. The interest on the l... (2 pages)View decision -
Decision Reference DRN8327438
24 Aug 2018 MEM Consumer Finance Limited Not upheldBanking and creditMr S complains about two payday loans he took out with MEM Consumer Finance Limited,trading as Payday UK, (“MEM”). He said that MEM shouldn’t have given him the loans asthey were unaffordable.backgroundMr S took out two payday loans with MEM as follows:-Loan numberDate... (4 pages)View decision -
Decision Reference DRN4120846
4 Dec 2017 WDFC UK Limited UpheldBanking and creditMr M complains that WDFC UK Limited (trading as Wonga) gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges, pays compensation, writes off the remaining balance and removes information about the loans from his credit file. backgro... (4 pages)View decision -
Decision Reference DRN5342925
13 Feb 2018 Gain Credit LLC UpheldBanking and creditMr S complains that Gain Credit LLC (trading as Lending Stream) gave him loans that he couldn’t afford to repay.backgroundMr S was given 34 loans by Lending Stream between October 2012 and April 2017. Mr S’s first loan was repayable in five monthly instalments. T... (5 pages)View decision -
Decision Reference DRN-3247062
7 Feb 2022 Marks & Spencer Financial Services plc UpheldBanking and PaymentsDRN-3247062 Complaint Mr D has complained that Marks & Spencer Financial Services Plc (trading as “M&S” Bank) unfairly continued applying charges to his overdraft when he was in financial difficulty. Background One of our adjudicators looked at this complaint and thought that M&... (2 pages)View decision -
Decision Reference DRN-4208729
10 Jul 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4208729 The complaint Mr P complains that Barclays Bank UK PLC, trading as Barclaycard, irresponsibly provided him with two credit cards he couldn’t afford to repay. What happened In December 2003, it seems Barclays opened a credit card account for Mr P with a credit limit of £3,500. I... (2 pages)View decision