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.
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Decision Reference DRN-3643136
30 Aug 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3643136 Complaint Mr P has complained about a loan AvantCredit of UK, LLC (“Avant Credit”) provided to him. He says the loan was unaffordable. Background Avant Credit provided Mr P with a loan for £2,000.00 in July 2016. This loan was due to be repaid in 36 monthly instalments of just ... (2 pages)View decision -
Decision Reference DRN-4829444
6 Jun 2024 Tesco Personal Finance PLC UpheldConsumer CreditDRN-4829444 The complaint Mr M has complained that Tesco Personal Finance PLC trading as Tesco Bank (“Tesco”) gave him a loan he couldn’t afford to repay. What happened Tesco gave Mr M a 60-month loan of £15,000 on 12 November 2021. The monthly repayments were £327.68 and the total repayab... (4 pages)View decision -
Decision Reference DRN3566440
11 Feb 2015 Tesco Personal Finance PLC Not upheldBanking and creditMr D complains that Tesco Personal Finance PLC applied irresponsible lending criteria when approving his loan application. backgroundMr D applied successfully online for a five figure loan. When his circumstances changed shortly after, the loan repayments became unaffordable. He’s question... (2 pages)View decision -
Decision Reference DRN-5340748
6 May 2025 Bamboo Limited Not upheldConsumer CreditDRN-5340748 The complaint Mr A complains that Bamboo Limited was irresponsible to lend to him on two occasions. What happened Bamboo agreed two loans for Mr A. The first was for £5,000 agreed in February 2021. The total amount owed was £9,763.22 to be repaid over five years with month... (4 pages)View decision -
Decision Reference DRN3066545
11 Sep 2015 WDFC UK Limited UpheldBanking and creditMr B complains that WDFC UK Limited (trading as Wonga.com) didn’t carry out proper checks, irresponsibly lent him money and his payday loans were unaffordable. backgroundMr B borrowed from Wonga 55 times. He took out 39 payday loans. Some loans were also topped up more th... (2 pages)View decision -
Decision Reference DRN-4357420
5 Oct 2023 Marks & Spencer Financial Services plc Not upheldBanking and PaymentsDRN-4357420 The complaint Ms D complains that Marks & Spencer Financial Services Plc trading as M&S Bank was irresponsible in its lending to her What happened Ms D applied for a M&S Bank credit card in 2005. In June 2005 her account was opened with a credit limit of £7,000. Ms ... (4 pages)View decision -
Decision Reference DRN-3709445
31 Oct 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3709445 The complaint Mr W complains that NewDay Ltd trading as Marbles irresponsibly granted credit that he couldn’t afford to repay. What happened NewDay approved a credit card application for Mr W in June 2021. It provided an initial credit limit of £450. This was increased to £1450... (2 pages)View decision -
Decision Reference DRN-3863996
8 Jan 2023 Madison CF UK Limited UpheldConsumer CreditDRN-3863996 The complaint Miss P complains about a loan Madison CF UK Limited (trading as 118 118 Money) provided to her. She says the loan was irresponsibly lent. What happened 118 118 Money provided Miss P with a loan for £1000 in November 2021. The loan was repayable over 80 months by i... (2 pages)View decision -
Decision Reference DRN-3109804
25 Jan 2022 Oplo PL Ltd Not upheldConsumer CreditDRN-3109804 The complaint Ms D has complained that 1st Stop Personal Loans Limited (This was a trading name used at the time by a business called Oplo PL Ltd) provided her with an unaffordable loan. What happened 1st Stop provided Ms D with a personal loan of £10,000.00 in July 2019. This ... (3 pages)View decision -
Decision Reference DRN-4050831
27 Mar 2023 Santander UK Plc Not upheldConsumer CreditDRN-4050831 The complaint Miss G complains that Santander UK Plc’s irresponsibly gave her a loan she couldn’t afford. What happened I issued my provisional decision on 7 March 2023, and this is what I said: I’ve considered the relevant information about this complaint. Based on what I’ve s... (4 pages)View decision
