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 21385 results
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Decision Reference DRN9007639
21 Aug 2015 WDFC UK Limited UpheldBanking and creditMiss H complains that WDFC UK Limited (trading as Wonga.com) irresponsibly lent her money.backgroundMiss H took out payday loans with Wonga. She complains that Wonga didn’t carry out proper checks when lending to her, the loans weren’t suitable and it shouldn’t have ap... (2 pages)View decision -
Decision Reference DRN-3726711
4 Oct 2022 Volkswagen Financial Services (UK) Limited Not upheldConsumer CreditDRN-3726711 The complaint Miss O complains that Volkswagen Financial Services (UK) Limited irresponsibly granted her a hire purchase agreement she couldn’t afford to repay. What happened In February 2020, Miss O acquired a used car financed by a hire purchase agreement from VWFS. Miss O wa... (2 pages)View decision -
Decision Reference DRN-4055523
13 Apr 2023 Everyday Lending Limited Not upheldConsumer CreditDRN-4055523 Complaint Mr E has complained about a loan Everyday Lending Limited (trading as “Everyday Loans”) provided to him. He says the loan was unaffordable and shouldn’t have been provided. Background Everyday Loans provided Mr E with a loan for £2,000.00 in June 2019. This loan was d... (2 pages)View decision -
Decision Reference DRN-4087530
26 Apr 2023 Everyday Lending Limited Not upheldConsumer CreditDRN-4087530 Complaint Mr N has complained about a loan Everyday Lending Limited (trading as “Everyday Loans”) provided to him. He says the loan was unaffordable and shouldn’t have been provided to him. Background Everyday Loans provided Mr N with a loan for £1,000.00 in July 2021. This loa... (2 pages)View decision -
Decision Reference DRN-3489403
25 Aug 2022 MBNA Limited Not upheldBanking and PaymentsDRN-3489403 The complaint Mr C complains that MBNA Limited (“MBNA”) provided him with credit he couldn’t afford to repay. What happened MBNA approved a credit card application for Mr C in November 2017. They initially provided a credit limit of £5,200 but in August 2018 they increased the ... (2 pages)View decision -
Decision Reference DRN-4210118
9 Jul 2023 Koto Card Limited Not upheldBanking and PaymentsDRN-4210118 The complaint Mr G complains that Koto Card Limited trading as The Credit Thing (TCT) lent to him irresponsibly. What happened In January 2022 Mr G applied for a credit card with TCT. TCT approved the application and gave Mr G a card with an initial credit limit of £500. The cr... (2 pages)View decision -
Decision Reference DRN-5667173
29 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5667173 The complaint Mr N complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application. What happened Mr N applied for an Aqua credit card in February 2020. In his application, Mr N said he was earning £23,000 a year that Aqua calculate... (2 pages)View decision -
Decision Reference DRN-4227609
16 Oct 2023 Studio Retail Limited Not upheldConsumer CreditDRN-4227609 The complaint Miss V has complained that Studio Retail Limited (“Studio”) irresponsibly lent to her when it provided her with a shopping account. What happened Miss V applied for a shopping account in December 2020. She was initially provided with a £125 credit facility. In Fe... (2 pages)View decision -
Decision Reference DRN-4370050
11 Oct 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4370050 The complaint Mr W says Barclays Bank UK PLC, trading as Barclaycard, irresponsibly lent to him. What happened Barclaycard provided Mr W with a credit card with a limit of £400 in February 2022. The account was a credit builder card and the limit could not be increased in the f... (2 pages)View decision -
Decision Reference DRN-3771867
24 Nov 2022 Loans 2 Go Limited Not upheldConsumer CreditDRN-3771867 The complaint Mr P complains that Loans 2 Go Limited (“L2G”) lent to him when it shouldn’t have. What happened The details of this complaint are well known to both parties, so I will not repeat them again here. The facts are not in dispute so I will focus on giving the reasons ... (2 pages)View decision