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 DRN-2882924
19 Jun 2021 Madison CF UK Limited UpheldConsumer CreditDRN-2882924 The complaint Mr F complains about a personal loan provided to him by Madison CF UK Limited trading as “118 118 Money”, which he says was unaffordable. What happened 118 118 Money provided Mr F with a loan of £2,000.00 in April 2019. This loan had a 24- month term with a monthl... (3 pages)View decision -
Decision Reference DRN0060322
27 Dec 2017 WDFC UK Limited UpheldBanking and creditMrs H complains that WDFC UK Limited (trading as wonga.com) gave her loans that she couldn’t afford.backgroundMrs H took out a total of five loans with Wonga in November and December 2016. LoanDateAmountTotal repayment inc. interestClosed 1 16.11.16£100£101.6018.11.16 2 21.1... (3 pages)View decision -
Decision Reference DRN-4648129
28 Feb 2024 Madison CF UK Limited UpheldConsumer CreditDRN-4648129 The complaint Mr L, through a representative, says Madison CF UK Limited, trading as 118 118 Money, irresponsibly lent to him. What happened Mr L took out a 24-month loan for £3,500 in March 2020. The monthly repayments were £277.61 and the total repayable was £6,662.64. In May... (3 pages)View decision -
Decision Reference DRN6870493
5 Jun 2019 Casheuronet UK LLC UpheldBanking and creditMr M complains that CashEuroNet UK LLC (trading as QuickQuid) lent to him irresponsibly.backgroundMr M took out a total of nine loans with QuickQuid between September 2014 and January 2017. Loan numberBorrowing dateRepayment dateLoan amount 125.09.1417.10.14£100220.10.1414.... (3 pages)View decision -
Decision Reference DRN7807461
28 Oct 2019 Just Retirement Limited Not upheldBanking and creditMrs B on behalf of the estate of the late Mr H complains that Just Retirement Limited shouldn’t have provided Mr H with a lifetime mortgage in 2015. Mrs B wants Just to return her father’s estate to where it would have been without the lifetime mortgage.backgroundMrs B says that her father... (3 pages)View decision -
Decision Reference DRN0960961
3 Apr 2019 MEM Consumer Finance Limited Not upheldBanking and creditMr C complains that MEM Consumer Finance Limited (trading as Payday UK) gave him loans that were unaffordable.backgroundDuring 2009 and 2010 Mr C borrowed three payday loans from Payday UK, as follows: LoanAmount Date of loanDate repaid 1£1008.10.0916.11.09 2£20021.12.0916... (3 pages)View decision -
Decision Reference DRN-1299018
10 Jul 2020 Valour Finance Limited UpheldConsumer CreditDRN-1299018 The complaintMiss H complains that the three loans she was approved for by Valour Finance Limited (Valour) were lent irresponsibly. What happenedUsing information from Valour a brief loan table is here. Loans 1 and 2 were instalment loans for 12 months and Loan 2 was for 18 mo... (3 pages)View decision -
Decision Reference DRN-5735277
5 Aug 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5735277 The complaint Mr N complains that Barclays Bank UK PLC (“Barclays”) unfairly lodged a fraud marker against him. What happened Mr N’s Barclays account received a payment for £3,582.06. Mr N transferred £576.06 of the funds to another of his own accounts and then withdrew the ... (3 pages)View decision -
Decision Reference DRN-3273707
31 Jan 2022 HSBC UK Bank Plc UpheldConsumer CreditDRN-3273707 Complaint Miss S has complained that HSBC UK Bank Plc (“HSBC”) irresponsibly provided her with a personal loan. Background Miss S has also complained about having been provided with an overdraft and credit card. But we’ve already explained that we’re looking at that complaint s... (3 pages)View decision -
Decision Reference DRN1794243
10 May 2019 Stagemount Limited UpheldBanking and creditMr G says Stagemount Limited (trading as Quid Market) irresponsibly lent to him and then didn’t treat him positively and sympathetically when he was unable to repay his loan.backgroundThis complaint is about a payday loan Quid Market provided to Mr G on 25 March ... (3 pages)View decision