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 DRN7640855
17 Sep 2019 PDL Finance Limited Not upheldBanking and creditMiss A complains that PDL Finance Limited (trading as Mr Lender) was irresponsible to lend to her.backgroundMiss A had five loans from Mr Lender between January 2017 and September 2017 as follows:Loan Date AmountTerm Due Repayment* Repaid 126 Jan 2017£3003m21 Apr 2017£162.40Ext, 19 May 201... (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 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 -
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 DRN2248553
3 May 2018 Gain Credit LLC UpheldBanking and creditMr F complains that Gain Credit LLC (trading as Lending Stream LLC) lent money to him that he could not afford to repay.backgroundMr F entered into 12 loans with Lending Stream between September 2012 and June 2014. He says that Lending Stream did not carry out suffic... (2 pages)View decision -
Decision Reference DRN9759043
4 Oct 2016 Wage Day Advance Limited UpheldBanking and creditMiss G complains that Wage Day Advance Limited (“Wage Day”) gave her loans without checking that she could afford to repay them. She wants all interest paid refunded and the final loan removed from her credit records.backgroundIn my provisional decision I set out why I... (2 pages)View decision -
Decision Reference DRN1834223
25 Sep 2018 Total Home Loans Direct Limited UpheldBanking and creditMr H complains that Total Home Loans Direct Limited, trading as THL Direct, gave him loans he couldn’t afford to repay.backgroundMr H took out ten loans with THL Direct between September 2014 and October 2016. His first two loans were payday loans repayable within a ... (2 pages)View decision -
Decision Reference DRN-4649040
13 Mar 2024 North Edinburgh and Castle Credit Union Limited Not upheldConsumer CreditDRN-4649040 The complaint Mr P says North Edinburgh and Castle Credit Union Limited, trading as Castle Community Bank, lent irresponsibly when providing him with a loan in 2021. What happened In November 2021, North Edinburgh and Castle Credit Union loaned Mr P £4,000 over a 48- month term... (2 pages)View decision