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 DRN5001103
13 Jul 2017 Uncle Buck Finance LLP UpheldBanking and creditMr Y complains that Uncle Buck Finance LLP shouldn’t have given him instalment loans because of his previous financial history. He wants a refund of his interest and charges. backgroundMr Y took out seven loans from Uncle Buck between March 2015 and October 2016. He s... (2 pages)View decision -
Decision Reference DRN-3848999
13 Dec 2022 Nationwide Building Society Not upheldConsumer CreditDRN-3848999 The complaint Mr M has complained that Nationwide Building Society irresponsibly lent to him. What happened Mr M took out four personal loans with Nationwide between May 2014 and August 2016. Mr M says that he couldn’t afford the credit and that if Nationwide had done proportio... (2 pages)View decision -
Decision Reference DRN-3226419
25 Feb 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3226419 The complaint Mr P complains that Madison CF UK Limited trading as 118 118 Money provided him with loans he was unable to afford to repay. What happened 118 118 Money provided Mr P with the following loans: Loan ref: Date taken Amount Term months Monthly payment Amount repayabl... (2 pages)View decision -
Decision Reference DRN-3584161
7 Jul 2022 Harvey & Thompson Limited UpheldConsumer CreditDRN-3584161 The complaint Mrs D complains that the loans she had from Harvey & Thompson Limited were unaffordable to her. What happened Mrs D had five loans from Harvey & Thompson between April 2017 and August 2018 as follows: Loan Date Amount Term Max Monthly Repayment Due Repaid ... (3 pages)View decision -
Decision Reference DRN-3521249
13 Jun 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3521249 The complaint Mr Y says Loans 2 Go Limited irresponsibly lent to him. What happened This complaint is about 3 loans Loans 2 Go provided to Mr Y between April and August 2020. Mr Y’s borrowing history is as follows: Loan Date taken Amount Term Repayment Repaid 1 April 2020 £600 ... (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 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 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 -
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