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 21242 results
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Decision Reference DRN9104090
17 May 2016 OPOS Limited UpheldBanking and creditMr H complains Opos Limited is asking him to repay money that he says wasn’t lent to him responsibly. He also complains about the interest and charges added to the loan. backgroundMr H borrowed around £200 a few years ago. He says he had several other loans at the... (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 -
Decision Reference DRN-5803267
18 Sep 2025 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-5803267 The complaint Miss G complains that Link Financial Outsourcing Limited (Link) hasn’t acted fairly when dealing with her account. What happened Miss G had a catalogue shopping account with a company I’ll refer to as J. Miss G’s account fell into arrears and J sold the account... (2 pages)View decision -
Decision Reference DRN-6065956
16 Feb 2026 Lendable Ltd Not upheldBanking and PaymentsDRN-6065956 The complaint Lendable Ltd, trading as Zable, provided Miss G with a credit card in October 2021 with a credit limit of £200 and increased the credit limit to £350 in January 2022. Miss G says this was irresponsible. What happened The details of this complaint are well-know... (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 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-2839936
28 Jun 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2839936 The complaint Ms B complains that NewDay Ltd, trading as Aqua, failed to correct her credit file after it upheld a complaint she brought against it for irresponsible lending. What happened The details of this complaint are well known to both parties, so I won’t repeat them agai... (2 pages)View decision -
Decision Reference DRN2825214
28 Aug 2014 WDFC UK Limited UpheldBanking and creditMrs K complains that her loans with WDFC UK Limited (trading as wonga.com) (‘Wonga’) were unaffordable and were mis-sold to her.backgroundMrs K took out a large number of loans with Wonga from July 2010 to January 2012 – starting with £200. The total loans finally exceeded £11,000. Mrs ... (2 pages)View decision -
Decision Reference DRN-6011762
28 Jan 2026 Madison CF UK Limited Not upheldBanking and PaymentsDRN-6011762 The complaint Miss D complains that Madison CF UK Limited trading as 118 118 Money irresponsibly lent to her. What happened Miss D was approved for a 118 118 Money credit card in December 2021, with a £1,200 credit limit. Miss D says this was irresponsibly lent to her, and s... (3 pages)View decision -
Decision Reference DRN-6034064
2 Jan 2026 MONEYBARN NO.1 LIMITED UpheldConsumer CreditDRN-6034064 The complaint Mr T complains that MONEYBARN NO.1 LIMITED trading as Moneybarn approved a vehicle finance agreement in 2015 which he says he could not afford to repay. What happened This is a short summary as a significant part of the complaint has been agreed between the pa... (2 pages)View decision