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 DRN0430907
11 Apr 2016 Provident Personal Credit Limited UpheldBanking and creditMr S complains that Provident Personal Credit Limited gave him two loans without carrying out affordability checks. He wants the outstanding balance written off and the default removed.backgroundMr S says the affordability checks were falsified and it is not his signature... (3 pages)View decision -
Decision Reference DRN6100526
21 Nov 2014 W H Ireland Limited Not upheldInvestment and pensionsMr and Mrs C’s complaint concerns investment advice they received from W H Ireland Limited (‘WHI’). They say: WHI did not establish their attitude to risk, or carry out any review of their investment needs. They were inexperienced investors and the share purchases WHI made on their be... (9 pages)View decision -
Decision Reference DRN1491809
29 Sep 2016 MEM Consumer Finance Limited UpheldBanking and creditMr S complains that MEM Consumer Finance Limited (trading as Payday UK) gave him loans he couldn’t afford to repay. He asks that it refunds interest, plus 8% interest, and removes the loans from his credit files.backgroundMr S took out three loans with Payday UK betw... (2 pages)View decision -
Decision Reference DRN-3955093
28 Jun 2023 My Finance Club Limited Not upheldConsumer CreditDRN-3955093 The complaint Mr S complains that My Finance Club lent to him when it should not have done. He complains that the most basic of checks by My Finance Club would have shown the state of his finances and led it not to have lent to him. What happened On 31 May 2022 Mr S was approve... (3 pages)View decision -
Decision Reference DRN2730255
6 Jun 2019 Valour Finance Limited Not upheldBanking and creditMr P says Valour Finance Limited, trading as Savvy.co.uk, lent to him irresponsibly.backgroundMr P took out a loan with Valour Finance in January 2017. He borrowed £2,000 and was scheduled to repay it in 18 monthly instalments of about £222. Mr P actually settled the l... (3 pages)View decision -
Decision Reference DRN6353485
11 Sep 2017 WDFC UK Limited UpheldBanking and creditMr G 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 and removes information about the loans from his credit file.backgroundMr G took out 16 loans with Wonga between June ... (2 pages)View decision -
Decision Reference DRN8417576
19 Sep 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr S complains that Curo Transatlantic Limited trading as Wage Day Advance (WDA) lent him unsuitable payday loans. He wants a refund of his interest and for his credit file to be amended. backgroundMr S took out eight loans from WDA between May 2013 and January 2017.... (2 pages)View decision -
Decision Reference DRN7317263
23 Sep 2016 Cfo Lending Limited UpheldBanking and creditMr N has complained about short-term loans granted to him by Cfo Lending Limited (“Cfo” or “the lender”).backgroundCfo agreed four short-term loans for Mr N over the period January to March 2013. Mr N says these loans were unaffordable for him and that Cfo would have k... (2 pages)View decision -
Decision Reference DRN-3127580
17 Nov 2021 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-3127580 The complaint Mr T complains that Moneybarn No. 1 Limited irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In February 2016, Mr T acquired a used car financed by a conditional sale agreement from Moneybarn. Mr T was required to m... (2 pages)View decision -
Decision Reference DRN0344861
31 Mar 2019 IG Index Limited Not upheldInvestment and pensionsMr P has a spread betting account with IG Index Limited. He says he has been treated unfairly by IG in a number of ways. His points include: IG should not have allowed him to open a spread betting account. IG’s interests conflict with his – it profits from his ... (12 pages)View decision