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 DRN-4507745
3 Apr 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4507745 The complaint Ms R, via a third party, complains that Moneybarn No. 1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with her. She says that due to her personal and financial circumstances at the relevant time the agreement was unaffordable. What happe... (3 pages)View decision -
Decision Reference DRN4801413
9 Oct 2017 WDFC UK Limited UpheldBanking and creditMr D complains that WDFC UK Limited (trading as wonga.com) gave him unaffordable payday loans that made his financial situation worse. He wants a refund of the interest and charges he paid, with interest. backgroundMr D had 25 loans and 5 top-ups from Wonga between J... (3 pages)View decision -
Decision Reference DRN8060041
7 Aug 2018 Casheuronet UK LLC UpheldBanking and creditMr O complains that CashEuroNet UK LLC (trading as QuickQuid) gave him money that he couldn’t afford to repay.backgroundMr O took out five loans with QuickQuid and refinanced the final loan.No.Date of LoanAmount borrowedMaximum monthly repaymentRepayment date18 May 2... (3 pages)View decision -
Decision Reference DRN9890941
20 Nov 2017 Elevate Credit International Limited Not upheldBanking and creditMr M complains that Elevate Credit International Limited, trading as Sunny, gave him loans he couldn’t afford to repay.background Mr M took out the following loans with Sunny: date £ amount borrowed£ amount to be repaid/repayment period /£ weekly repayment (rounded) date ... (3 pages)View decision -
Decision Reference DRN1892642
6 Mar 2018 MYJAR Limited Not upheldBanking and creditMr M complains that MYJAR Limited gave him a loan that was unaffordable.backgroundThe background to this complaint was set out in a provisional decision I issued in January 2018. An extract from this is attached and forms part of this final decision, so I will not repea... (3 pages)View decision -
Decision Reference DRN6657591
4 Oct 2018 Active Securities Limited UpheldBanking and creditMiss F says that the loans she applied for were approved by Active Securities Limited, trading as 247Moneybox.com (“Moneybox”) without it doing proper affordability checks. It didn’t properly assess Miss F’s signs of indebtedness and lent her money she couldn’t afford t... (3 pages)View decision -
Decision Reference DRN0264947
27 Sep 2017 Lending Stream Llc UpheldBanking and creditMrs W complains that Lending Stream LLC gave her loans she couldn’t afford to repay.backgroundMrs W took out the following loans with Lending Stream date £ amount borrowed118 May 2013215222 May 2013205314 July 2013115In August 2013, Mrs W told Lending Stream she coul... (3 pages)View decision -
Decision Reference DRN-5700658
12 Dec 2025 Go Car Credit Limited Not upheldConsumer CreditDRN-5700658 The complaint Miss P complains that Go Car Credit Limited irresponsibly provided her with an unaffordable regulated hire purchase agreement. Miss P’s complaint has been brought by a professional representative, but for ease I’ve referred to all submissions as though they ar... (3 pages)View decision -
Decision Reference DRN3886710
13 Jul 2017 Nationwide Building Society Not upheldBanking and creditMr W has complained that Nationwide Building Society closed his account and refused to refund unauthorised transactions.backgroundIn June 2016, Mr W opened an account with an online casino. He played frequently between June and October. And he won handsomely on a few ... (3 pages)View decision -
Decision Reference DRN2348074
30 May 2018 Metro Bank PLC UpheldBanking and creditMr L feels that Metro Bank Plc (“Metro”) has treated him unfairly in relation to an £800 payment he made on his credit card to a binary options company.backgroundMr L accepts he made a payment of £800 on his credit card to a binary options company in order to trad... (3 pages)View decision