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 5204 results
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Decision Reference DRN4202173
24 Nov 2017 WDFC UK Limited UpheldBanking and creditMr B complains that WDFC UK Limited (trading as Wonga) gave him loans that he couldn’t afford.backgroundMr B took out seven loans with Wonga between December 2015 and March 2017. The amounts he borrowed varied from £100 to £500, plus interest.Mr B says that Wonga was... (3 pages)View decision -
Decision Reference DRN2251216
16 Nov 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr G complains that Curo Transatlantic Limited trading as Wage Day Advance (WDA) lent him money he couldn’t afford to repay.backgroundMr G took out one payday and five instalment loans with WDA between June 2016 and April 2017. He doesn’t think WDA did enough to assess ... (3 pages)View decision -
Decision Reference DRN-5712663
1 Aug 2025 Barclays Bank UK PLC Not upheldConsumer CreditDRN-5712663 Complaint Mr W has complained about a personal loan that Barclays Bank UK Plc (“Barclays”) provided to him. He’s said that the loan was unaffordable and this created ongoing difficulty. Background Mr W has also complained about a credit card and an overdraft. However, we’v... (6 pages)View decision -
Decision Reference DRN2617663
20 Jun 2019 Barclays Bank UK PLC Not upheldBanking and creditThe estate of the late Mr P has complained that Barclays Bank UK Plc (trading as Barclaycard) didn’t act responsibly when they increased his limit on his Barclaycard accounts. background The background to this complaint is set out in my provisional decision. I’ve a... (8 pages)View decision -
Decision Reference DRN-2833878
22 Jun 2021 JDB Enterprise Group Ltd Not upheldConsumer CreditDRN-2833878 The complaint Mr W complained that JDB Enterprise Group Ltd trading as Fast Loan UK acted irresponsibly when it gave him an unaffordable loan. What happened Mr W took out a loan as follows: loan start date date repaid instalments loan amount instalment amount 1 3/10/2020 4/1/20... (3 pages)View decision -
Decision Reference DRN-2930522
20 Jul 2021 Carcashpoint Limited Not upheldConsumer CreditDRN-2930522 The complaint Mr H complains about two logbook loans provided to him by CarCashPoint limited, (“CarCashPoint”) which he says were unaffordable. What happened CarCashPoint provided Mr H with ‘log book’ loans. These loans were granted on the basis that Mr H provided CarCashPoint ... (3 pages)View decision -
Decision Reference DRN9288635
7 Aug 2020 Loans 2 Go Limited UpheldBanking and creditMr O complains that Loans 2 Go Limited lent to him in an irresponsible manner.backgroundLoans 2 Go gave one loan to Mr O. He borrowed £300 in May 2018 and was due to repay the loan in 18 monthly instalments of £67.97. Mr O fell into financial difficulties before making any repayments on hi... (3 pages)View decision -
Decision Reference DRN1711242
11 Oct 2019 Elevate Credit International Limited UpheldBanking and creditMr G complains that Elevate Credit International Limited (trading as ‘Sunny’) gave him loans irresponsibly.backgroundThis complaint is about 5 loans Sunny provided to Mr G between April and July 2018. Here’s a table showing these loans - all have been repaid.Loan noStart dateInstalmentsam... (3 pages)View decision -
Decision Reference DRN2400972
15 Mar 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr M complains that Curo Transatlantic Limited (trading as Wage Day Advance) (“Wage Day”) gave him loans that put him in financial difficulties. backgroundMr M took out the following loans with Wage Day: £100 on 13 June 2011, repaid on 30 June 2011 £250 on 4 July... (3 pages)View decision -
Decision Reference DRN2960706
18 Apr 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr W complains that Curo Transatlantic Limited (trading as Wage Day Advance) gave him loans that he couldn’t afford.backgroundMr W took out a total of eight loans with Wage Day between May 2012 and April 2014. He says the loans contributed to a significant spiral ... (3 pages)View decision
