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 5520 results
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Decision Reference DRN8667447
22 Nov 2016 WDFC UK Limited UpheldBanking and creditMr K complains that WDFC UK Limited, trading as Wonga.com, gave him loans he couldn’t afford to repay. backgroundWonga’s records show that Mr K took out 50 loans between January 2012 and April 2016. The amounts he asked to borrow ranged from £58 to £615. Mr K had 30 t... (3 pages)View decision -
Decision Reference DRN3309369
26 Feb 2018 Gain Credit LLC UpheldBanking and creditMr D complains that Gain Credit LLC (trading as Lending Stream) was irresponsible to approve a series of loans.background Mr D had 22 Lending Stream loans from January 2012 to May 2014 as seen in Appendix 1.Mr D was scheduled to repay each loan with four to six monthly... (3 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-2781614
17 May 2021 The One Stop Money Shop Limited Not upheldConsumer CreditDRN-2781614 The complaint Mr T complains The One Stop Money Shop Limited (“Money Shop”) lent to him irresponsibly. What happened Mr T took one loan with Money Shop in June 2019. The loan (£800) was arranged over 12 months with monthly instalments of £126.67. I understand the loan was full... (3 pages)View decision -
Decision Reference DRN-4107664
3 May 2023 National Westminster Bank Plc Not upheldConsumer CreditDRN-4107664 The complaint Mrs R complains that National Westminster Bank Plc didn’t carry out proper affordability checks before providing her with a high interest rate loan. She says it then didn’t help her when she asked for the term to be reduced. What happened Mrs R was provided with a... (3 pages)View decision -
Decision Reference DRN0568690
22 Aug 2016 Uncle Buck Finance LLP UpheldBanking and creditMr H complains that Uncle Buck Finance LLP didn’t carry out checks to see if he could afford to repay the payday loans it gave him. He wants the remaining debt written off and the default marker removed from his credit records.backgroundMr H took out four payday loa... (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 -
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 DRN-1929271
2 Sep 2022 PDL Finance Limited Not upheldConsumer CreditDRN-1929271 The complaint Mr F says PDL Finance Limited (“PDL”), irresponsibly lent to him. Mr F has said he couldn’t afford the loan repayments and had to take further borrowing in order to do so. What happened This complaint is about one short-term loan PDL provided to Mr F in April 2016... (4 pages)View decision -
Decision Reference DRN-5751375
16 Dec 2025 Bank of Ireland (UK) Plc UpheldConsumer CreditDRN-5751375 The complaint Bank of Ireland (UK) Plc (“Bank of Ireland”) provided Mr D with a loan for £19,500 in August 2022. This was to be paid back at £379 a month over 84 months. Mr D says the credit was provided irresponsibly. What happened The details of this complaint are well-kn... (3 pages)View decision