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 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 DRN-3043810
13 Oct 2021 Everyday Lending Limited Not upheldConsumer CreditDRN-3043810 The complaint Miss O complains that Everyday Lending Limited (“ELL”) lent to her in an irresponsible manner. What happened I issued a provisional decision on this complaint in August 2021. In that decision I explained why I didn’t think the complaint should be upheld. Both part... (3 pages)View decision -
Decision Reference DRN-2981128
14 Sep 2021 Western Circle Ltd Not upheldConsumer CreditDRN-2981128 The complaint Mr C complained about an instalment loan he took out with Western Circle Ltd (trading as ‘Cashfloat’) and said this was unaffordable for him. What happened Mr C took out a Cashfloat loan as follows: Loan Date Taken Date Repaid Instalments Amount Highest Repayment ... (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 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 -
Decision Reference DRN-5761246
26 Jan 2026 Lendable Ltd Not upheldConsumer CreditDRN-5761246 The complaint Mr R complains that Lendable Limited was irresponsible in its lending to him and that he was not adequately assessed for the credit. What happened Mr R applied for credit with Lendable and had a loan approved as follows: Date Amount of Credit APR Loan Term Mon... (3 pages)View decision -
Decision Reference DRN-5772179
15 Oct 2025 Fairscore Ltd Not upheldConsumer CreditDRN-5772179 The complaint Miss A complains that Fairscore Ltd trading as Updraft was irresponsible in its lending to her. What happened Miss A was provided with an £11,000 loan by Updraft in October 2024. The loan term was 49 months, and Miss A was required to make monthly repayments of... (3 pages)View decision -
Decision Reference DRN-5072536
16 Oct 2024 National Westminster Bank Plc Not upheldConsumer CreditDRN-5072536 The complaint Miss C complains that National Westminster Bank Plc was irresponsible in its lending to her. She wants all fees and interest removed from the loan and her credit file amended along with compensation. What happened NatWest provided Miss C with a £12,000 loan in ... (3 pages)View decision -
Decision Reference DRN-3392888
29 Mar 2022 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-3392888 Complaint Mr B has complained that The Royal Bank of Scotland Plc (“RBS”) irresponsibly provided him with an overdraft which it continued applying charges on even when he was in financial difficulty. Background and my provisional decision of 11 March 2022 One of our investigato... (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