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 19751 results
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Decision Reference DRN-1766649
29 Mar 2021 Loans 2 Go Limited Not upheldConsumer CreditDRN-1766649 The complaint Ms A complained that Loans 2 Go Limited lent to her irresponsibly and that it treated her unfairly when she had payment problems. What happened Ms A was given a single loan by Loans 2 Go. Here are the loan details: Loan Date taken Date repaid Number of monthly ins... (5 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-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-2844445
3 Jun 2021 Morses Club PLC UpheldConsumer CreditDRN-2844445 The complaint Miss B complains that Morses Club PLC lent to her irresponsibly. Miss B is represented by a third party. What happened Using information from Morses, here is a brief loan table of the approved loans. loan date taken date repaid amount borrowed term 1 11/08/2016 06... (4 pages)View decision -
Decision Reference DRN6053545
30 Jul 2013 Santander UK Plc Not upheldBanking and creditMr G complains that Santander UK Plc (‘Santander’) has carried out irresponsible lending.our initial conclusionsThe adjudicator did not recommend that the complaint be upheld. In her view Santander processed the remortgage application in good faith and, based on the property val... (2 pages)View decision -
Decision Reference DRN-3561431
24 Jun 2022 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3561431 The complaint Ms M says Vanquis Bank Limited (“Vanquis”) irresponsibly lent to her. What happened This complaint is about a credit card Vanquis provided. Our adjudicator upheld Ms M’s complaint, as it believed the lending was unaffordable. Vanquis asked for some evidence from u... (2 pages)View decision -
Decision Reference DRN8809657
3 Mar 2016 Santander UK Plc Not upheldBanking and creditMr and Mrs W complain that Santander UK Plc has treated them unfairly over their mortgage.background In 2005 Mr and Mrs W took out a 25-year repayment mortgage from Santander. They redeemed their existing mortgage with another provider and raised additional funds... (2 pages)View decision -
Decision Reference DRN8289968
25 Feb 2016 Instant Cash Loans Limited Not upheldBanking and creditMs H complains that Instant Cash Loans Limited (trading as Payday Express) wrongly lent her money she couldn’t afford to pay back.backgroundMs H took out a number of payday loans with Payday Express. 15 of the loans were taken out between September 2005 and August 2009.... (2 pages)View decision -
Decision Reference DRN-3614321
1 Sep 2022 Five Lamps Trading Ltd UpheldConsumer CreditDRN-3614321 The complaint Mr H complains that Five Lamps Trading Ltd (“Five Lamps”) provided him with credit he couldn’t afford to repay. What happened Five Lamps approved a loan of £500 for Mr H in June 2020. The loan was to be repaid at £101.25 per month over a six month period. Mr H say... (2 pages)View decision -
Decision Reference DRN3718528
7 Jan 2016 Uncle Buck Payday Loans LLP UpheldBanking and creditMr C complains that Uncle Buck Payday Loans LLP wrongly lent him money he couldn’t afford to pay back.backgroundMr C took out three payday loans with Uncle Buck within a short period. He said that the loans were unaffordable and the business wouldn’t agree a repayment ... (2 pages)View decision
