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 DRN1128785
25 Mar 2020 Retail Money Market Ltd Not upheldBanking and creditMr S’s complaint against Retail Money Market LTD, trading as Ratesetter (Ratesetter), is that it refuses to remove a CIFAS marker it placed against him. backgroundIn November 2018, Mr S applied for a loan with Ratesetter. In doing so, he inflated his income, and submitted falsified bank st... (3 pages)View decision -
Decision Reference DRN-3516526
8 Jun 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3516526 The complaint Mr J has complained through a representative that Madison CF UK Limited trading as 118 118 Money (118 118) mis-sold him loans he couldn’t afford to repay. Mr J says that he was taking out new loans in order to cover repayments to other loans that he had. What happ... (6 pages)View decision -
Decision Reference DRN5637443
27 Jan 2017 Casheuronet UK LLC UpheldBanking and creditMr P has complained about nine payday loans and one flex-credit loan he took out with Casheuronet UK LLC (trading as Quick Quid). Mr P took out his loans from March 2011 to April 2014 when his flex-credit loan was taken out. Mr P has said the loans were unaffordabl... (7 pages)View decision -
Decision Reference DRN4801413
9 Oct 2017 WDFC UK Limited UpheldBanking and creditMr D complains that WDFC UK Limited (trading as wonga.com) gave him unaffordable payday loans that made his financial situation worse. He wants a refund of the interest and charges he paid, with interest. backgroundMr D had 25 loans and 5 top-ups from Wonga between J... (3 pages)View decision -
Decision Reference DRN8060041
7 Aug 2018 Casheuronet UK LLC UpheldBanking and creditMr O complains that CashEuroNet UK LLC (trading as QuickQuid) gave him money that he couldn’t afford to repay.backgroundMr O took out five loans with QuickQuid and refinanced the final loan.No.Date of LoanAmount borrowedMaximum monthly repaymentRepayment date18 May 2... (3 pages)View decision -
Decision Reference DRN8228715
5 Sep 2014 Lloyds Bank PLC Not upheldBanking and creditMr J complains that Lloyds Bank PLC won’t refund payments he says were made from his account without his authority. The transactions were bets placed on a cricket match using Mr J’s debit card and his online betting account with a third party provider. Mr J says shortly before th... (2 pages)View decision -
Decision Reference DRN9430523
31 Jan 2018 Legal and General Assurance Society Limited Not upheldInvestment and pensionsMs O has complained about advice she received to transfer her existing occupational pension when she joined Legal and General Assurance Society Limited as an employee in 1986.backgroundMs O left her employment with a bank in 1986 and joined L&G. She had accrued nine... (2 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 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 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
