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 18371 results
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Decision Reference DRN-2358497
8 Dec 2020 Gain Credit LLC Not upheldConsumer CreditDRN-2358497 The complaint Mr P complains that Gain Credit LLC, trading as Lending Stream, (“LS”), didn’t remove his upheld loans from his credit file when it agreed to provide redress on an irresponsible lending complaint he had made against it. What happened Mr P took out 25 short term lo... (2 pages)View decision -
Decision Reference DRN0990315
20 Jun 2018 WDFC UK Limited Not upheldBanking and creditWDFC UK Limited, trading as Wonga, approved one loan after Mr T applied for it in April 2017. Mr T says that it was unaffordable and irresponsible of Wonga to lend to him. Mr T complains that his letters of complaint to Wonga last year have been ignored by it.... (4 pages)View decision -
Decision Reference DRN-3046859
16 Sep 2021 Ferratum UK Ltd Not upheldConsumer CreditDRN-3046859 The complaint Mr J complains that Ferratum UK Ltd lent to him irresponsibly. Mr J also complains that Ferratum ought to have asked about his mental health when he applied for the loan in 2017. Mr J says that Ferratum has been uncooperative and threatening legal proceedings rath... (5 pages)View decision -
Decision Reference DRN-4889557
28 Aug 2024 Quidie Limited UpheldConsumer CreditDRN-4889557 The complaint Mr M complains that Quidie Limited trading as Fernovo (“Fernovo”) sent to him an unsolicited email and text in February 2024 which he took to be a lure to entice him to apply for a loan. He has experienced distress and has become angry about it. It has caused h... (2 pages)View decision -
Decision Reference DRN-4798857
30 May 2024 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4798857 The complaint Miss M complains that Tesco Personal Finance PLC trading as Tesco Bank was irresponsible in its lending to her and didn’t give her the information she needed before providing her with a loan. She wants all interest and charges refunded along with statutory interes... (4 pages)View decision -
Decision Reference DRN8852838
16 Jan 2018 Morses Club PLC Not upheldBanking and creditMr A complains Morses Club PLC is responsible for irresponsible lending. He says he was able to take out numerous loans without proper checks being conducted. Mr A wants to be returned to the position he’d have been in prior to the loans.backgroundMr A tells us he took... (2 pages)View decision -
Decision Reference DRN3419145
6 Aug 2019 Mobile Money Limited UpheldBanking and creditMr M has complained about a logbook loan which was provided to him by Mobile Money Limited (“Mobile Money”). He says Mobile Money shouldn’t have lent to him as it wasn’t responsible to do so because of the amount of debt he already had.backgroundMr M was provided with a logbook loan of £3,... (12 pages)View decision -
Decision Reference DRN-3989164
4 Jul 2023 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-3989164 The complaint Mrs G complains that Lantern Debt Recovery Services Ltd (Lantern) purchased her debt of a loan from the administrators of the loan company, when it was still in dispute, and are pursuing recovery of the debt. What happened Mrs G took out a loan with a loan company... (2 pages)View decision -
Decision Reference DRN-2377072
27 Nov 2020 Oakam Ltd UpheldConsumer CreditDRN-2377072 The complaint Mr W complained to Oakam Ltd (Oakam) that it irresponsibly provided him with a number of loans. Mr W also said, that he didn’t understand why he had an outstanding balance because Oakam had stopped taking payments from his account. What happened Our adjudicator up... (15 pages)View decision -
Decision Reference DRN-4427962
31 Oct 2023 HSBC UK Bank Plc Not upheldConsumer CreditDRN-4427962 The complaint Miss A complains that HSBC UK Bank Plc (‘HSBC Bank’) irresponsibly gave her three loans that she couldn’t afford. What happened HSBC Bank provided the following loans to Miss A: Loan 1 started on 1 June 2022 for £15,000 over 60 months and a monthly repayment of £3... (4 pages)View decision
