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 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-5028737
30 Dec 2024 PayPal (Europe) S.à r.l et Cie, S.C.A. UpheldBanking and PaymentsDRN-5028737 The complaint Mr F through his representative complains that PayPal (Europe) Sarl Et Cie Sca (“PayPal”) approved a credit account for him in 2018 when he could not afford it and then approved a series of credit limit increases irresponsibly. What happened Mr F took a PayPal ... (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-4130939
23 May 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4130939 The complaint Mr S complains that NewDay Ltd trading as Aqua lent to him irresponsibly. What happened Mr S’s complaint is about three Aqua accounts and a Fluid account. The first Aqua account was opened in December 2016. NewDay gave Mr S a card with an initial credit limit of £... (2 pages)View decision -
Decision Reference DRN-4310593
29 Aug 2023 Madison CF UK Limited Not upheldConsumer CreditDRN-4310593 Complaint Mr M has complained about a loan Madison CF UK Limited (trading as “118 118 Money”) provided to him. He says he was lent to irresponsibly and this placed him in a worse financial position. Background 118 118 Money provided Mr M with a loan for £1,000.00 in November 20... (2 pages)View decision -
Decision Reference DRN-4817725
24 May 2024 Loans 2 Go Limited Not upheldConsumer CreditDRN-4817725 The complaint Ms B complains that Loans 2 Go Limited was irresponsible in its lending to her. She also complains that the application process and after care was confusing and that the loan is incurring excessive interest. She wants the interest rate on the loan to be reduced. W... (4 pages)View decision -
Decision Reference DRN-5540491
3 Jul 2025 Barclays Bank UK PLC Not upheldConsumer CreditDRN-5540491 The complaint Mrs H, through a representative, says Barclays Bank UK PLC trading as Tesco Bank, irresponsibly lent to her. What happened Mrs H took out a loan for £7,500 over 48 months from Tesco Bank on 4 February 2019. The monthly repayments were £165.87. Mrs H says Tesco... (2 pages)View decision -
Decision Reference DRN-3753576
8 Nov 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3753576 The complaint Ms D complains that Barclays Bank UK PLC trading as Barclaycard (‘Barclaycard’) irresponsibly gave her a credit card account and subsequent credit limit increases that she couldn’t afford. What happened In March 2005 Ms D applied for a credit card account with Bar... (2 pages)View decision -
Decision Reference DRN-3893995
20 Jan 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3893995 The complaint Ms F has complained that NewDay Limited irresponsibly lent to her What happened Ms F opened a shopping account with NewDay in May 2007. At that point her credit limit was set at £200. It was increased once in August 2007 to £900. Ms F says that she couldn’t affor... (2 pages)View decision -
Decision Reference DRN-3238711
11 Apr 2022 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-3238711 The complaint Mr G complains that Moneybarn No. 1 Limited (“Moneybarn”) irresponsibly granted him a loan he could not afford to repay. What happened In February 2016, Mr G acquired a car and financed the deal through a conditional sale agreement with Moneybarn. Mr G was require... (2 pages)View decision
