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 5210 results
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Decision Reference DRN-3143863
19 Jan 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3143863 The complaint Mr R says Loans 2 Go Limited lent to him irresponsibly. What happened Mr R took out an 18-month instalment loan from Loans 2 Go in May 2021. It was for £250 and the monthly repayments were £57.14. The total repayable was £1028.52. Mr R says he was struggling finan... (3 pages)View decision -
Decision Reference DRN-3387662
19 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3387662 The complaint Mr B has complained NewDay Ltd gave him a credit card with subsequent credit limit increases without properly assessing his ability to repay. What happened Mr B applied for a credit card with NewDay in February 2018. NewDay carried out credit checks. As Mr B passe... (3 pages)View decision -
Decision Reference DRN6684953
12 Mar 2020 Harvey & Thompson Limited UpheldBanking and creditMr S complains that Harvey & Thompson Limited (H&T) lent irresponsibly to him. backgroundMr S took out two loans with H&T. His borrowing history is as follows: Loan Date TakenDate Repaid InstalmentsAmountMonthly repayment1 19/07/201703/10/2017 8 £500.00 £90.512 25/10/2017outsta... (3 pages)View decision -
Decision Reference DRN7982805
27 Nov 2017 WDFC UK Limited UpheldBanking and creditMr R complains that WDFC UK Limited (trading as Wonga) gave him loans that he couldn’t afford and trapped him into a spiral of debt. backgroundMr R took out a total of 44 loans and 26 top ups with Wonga between April 2010 and June 2013. The amounts he borrowed vari... (3 pages)View decision -
Decision Reference DRN8326651
5 Jan 2021 Everyday Lending Limited Not upheldBanking and creditMr L has complained that Everyday Lending Limited (EDL) didn’t treat him fairly when it continued to charge interest on his loan after he entered into a Debt Management Plan (DMP). Mr L says that EDL acted unreasonably and he thinks the interest was too high and unaffordable for him. backg... (3 pages)View decision -
Decision Reference DRN6715103
21 Sep 2018 Gain Credit LLC Not upheldBanking and creditMiss C complains that Gain Credit LLC (trading as Lending Stream) gave her loans that she couldn’t afford to repay.backgroundMiss C was given four loans by Lending Stream between June 2012 and January 2013. Each of the loans was repayable in five or six monthly ins... (3 pages)View decision -
Decision Reference DRN3896090
8 Feb 2018 Elevate Credit International Limited Not upheldBanking and creditMr M complains that Elevate Credit International Limited trading as Sunny was irresponsible to lend him money.background Mr M took out five instalment loans with Sunny:Loan application dateAmount of loanNumber of instalmentsAmount of each instalmentRepaid?17/11/2015£1,50014£198... (3 pages)View decision -
Decision Reference DRN-4583106
29 Jan 2024 FUND OURSELVES LIMITED UpheldConsumer CreditDRN-4583106 The complaint Mr H complains that Fund Ourselves Limited trading as Fund Ourselves irresponsibly granted him access to unsecured loans. What happened I issued a provisional decision on this complaint where I set out the background to this complaint. For completeness, I’ve copie... (3 pages)View decision -
Decision Reference DRN5630747
8 Dec 2016 WDFC UK Limited Not upheldBanking and creditMr W has complained about short-term loans granted to him by WDFC UK Limited trading as Wonga. backgroundThe background to this complaint, and my initial conclusions, were set out in my provisional decision dated 2 December 2016, a copy of which is attached and form... (3 pages)View decision -
Decision Reference DRN-3605003
22 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3605003 The complaint Mr L says NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened Mr L applied for a credit card in May 2016. It was approved with a limit of £300 and he was given four subsequent credit limit increases by NewDay. The first increase in September 2016... (3 pages)View decision
