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 DRN-3538997
30 Aug 2022 Buffa Loans Ltd Not upheldConsumer CreditDRN-3538997 The complaint Mr S complains that Buffa Loans Ltd was irresponsible to lend to him. What happened Mr S had three loans from Buffa Loans between 4 December 2020 and 13 July 2021 as follows: Loan Date Amount Term Monthly Repayment Due Repaid 1 4 Dec 2020 £250 168d £73.88 21 May 2... (3 pages)View decision -
Decision Reference DRN3518189
5 Apr 2018 CURO TRANSATLANTIC LIMITED Not upheldBanking and creditMr H complains that CURO Transatlantic Limited trading as WageDay Advance (“WDA”) gave him loans that he couldn’t afford to repay.backgroundMr H was given four loans by WDA between June and December 2016. Mr H’s first loan was repayable in four equal monthly instalment... (3 pages)View decision -
Decision Reference DRN-2649576
3 Mar 2021 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-2649576 Complaint Mr S has complained that The Royal Bank of Scotland Plc (“RBS”) unfairly continued to applying charges to his overdraft when he was in financial difficulty. Background to the complaint and my provisional decision of 16 February 2021 One of our investigators looked at... (3 pages)View decision -
Decision Reference DRN9010589
11 Nov 2019 Provident Personal Credit Limited UpheldBanking and creditMr S says Provident Personal Credit Limited (trading as “Satsuma” Loans) irresponsibly lent to him.backgroundThis complaint is about 15 instalment loans Satsuma provided to Mr S between July 2014 and March 2018. Our adjudicator upheld Mr S’ complaint and thought that loan 5 and loans 9 to ... (3 pages)View decision -
Decision Reference DRN8398167
17 Oct 2018 MEM Consumer Finance Limited UpheldBanking and creditMr P complains that MEM Consumer Finance Limited (trading as Payday UK) was irresponsible when it offered him loans. He asks that it refunds interest.backgroundMr P took out 19 loans between May 2009 and February 2015. The adjudicator recommended that the complaint shoul... (3 pages)View decision -
Decision Reference DRN7878153
9 Aug 2017 WDFC UK Limited UpheldBanking and creditMr H complains that WDFC UK Limited (trading as Wonga.com) gave him loans that he couldn’t afford. backgroundMr H took out a total of seven loans with Wonga between September 2015 and May 2016, and he topped several of them up. He believes that if Wonga had carried... (3 pages)View decision -
Decision Reference DRN7130574
11 Apr 2017 MEM Consumer Finance Limited UpheldBanking and creditMr R complains that MEM Consumer Finance Limited (trading as Payday UK) gave him unaffordable payday loans.backgroundMr R had 12 loans from Payday UK between September 2011 and July 2013. He said he was borrowing increasing amounts from other short-term lenders and he cou... (3 pages)View decision -
Decision Reference DRN6125355
22 Nov 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr W complains that Curo Transatlantic Limited, trading as WageDay Advance, gave him loans he couldn’t afford to repay. backgroundMr W took out the following loans with WageDay Advance: date £ amount borrowed16 April 201610028 May 2016100310 August 201680411 September 20... (3 pages)View decision -
Decision Reference DRN3651759
6 Dec 2016 WDFC UK Limited UpheldBanking and creditMr B complains that WDFC UK Limited (trading as Wonga) gave him loans that he couldn’t afford to repay.backgroundMr B first borrowed from Wonga in January 2011. In total he took 22 loans from Wonga over a period of 14 months, and many of those loans were “topped up” ... (3 pages)View decision -
Decision Reference DRN4291877
26 Jan 2017 PDL Finance Limited UpheldBanking and creditMr K has complained about short-term loans granted to him by PDL Finance Limited trading as Mr Lender (“Mr Lender” or “the lender”). backgroundMr Lender agreed five short-term loans for Mr K between February and December 2012. Mr K says Mr Lender should not have lent... (3 pages)View decision
