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 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 DRN0975403
18 Dec 2019 Provident Personal Credit Limited UpheldBanking and creditMr H says Provident Personal Credit Limited (trading as Satsuma Loans) irresponsibly lent to him.backgroundThis complaint is about seven instalment loans Satsuma provided to Mr H between January and August 2017. Mr H’s borrowing history is as follows: Loan numberPrincipal (£)StartEndTotal ... (6 pages)View decision -
Decision Reference DRN-3280295
14 Feb 2022 MBNA Limited Not upheldBanking and PaymentsDRN-3280295 The complaint Mr W complains that MBNA Limited won’t refund credit card payments he was tricked into making towards a fictitious investment. What happened The detailed background to this complaint is well known to both parties, so I’ll only provide an overview of some of the ke... (5 pages)View decision -
Decision Reference DRN5872935
11 Mar 2021 DTW Associates Limited UpheldBanking and creditMr H has complained that DTW Associates Limited trading as Auto Advance Logbook Loans (“DTW”) was irresponsible to have agreed credit for him. background DTW provided Mr H with a loan of £1,500 on 13 August 2018. The total repayable including interest and charges came to £4,020, to be repa... (5 pages)View decision -
Decision Reference DRN-5494879
30 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5494879 The complaint Miss K complains that NewDay Ltd trading as Aqua was irresponsible in its lending to her. What happened Miss K was provided with an Aqua credit card account in December 2021 with an initial credit limit of £1,200. Miss K has explained that she had fled domestic... (4 pages)View decision -
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 DRN0788688
8 Mar 2019 Valour Finance Limited Not upheldBanking and creditMr O complains that Valour Finance Limited (trading as Savvy.co.uk) gave him an instalment loan irresponsibly. He wants a refund of his interest and charges and for negative information to be removed from his credit file.backgroundMr O took out one instalment loan from ... (2 pages)View decision -
Decision Reference DRN9113537
26 Oct 2018 PDL Finance Limited UpheldBanking and creditMr A complains that PDL Finance Limited (trading as Mr Lender) gave him unaffordable instalment loans. He wants a refund of the charges he paid with interest.backgroundMr A had four loans from Mr Lender between May 2016 and January 2017. He said he was in financial ... (2 pages)View decision -
Decision Reference DRN-2959972
25 Jan 2022 Match the Cash Limited UpheldConsumer CreditDRN-2959972 Complaint Mr U has complained that Match the Cash Limited (“Match the Cash”) unfairly brought about an unaffordable guarantor loan for him. He said the loan was unaffordable and this would have been obvious if reasonable checks had been carried out. Background Match the Cash op... (2 pages)View decision