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-2911689
20 Aug 2021 Valour Finance Limited Not upheldConsumer CreditDRN-2911689 The complaint Mr T says Valour Finance Limited trading as Savvy.co.uk lent to him irresponsibly. He says he had significant financial and mental health problems at the time of lending. These would mean it wouldn’t be possible for him to repay the loans in a sustainable way. He ... (2 pages)View decision -
Decision Reference DRN-4247386
21 Jul 2023 Loans 2 Go Limited Not upheldConsumer CreditDRN-4247386 Complaint Mr B has complained about a loan Loans 2 Go Limited (“L2G”) provided to him. He says L2G irresponsibly lent him this loan. Background One of our adjudicators reviewed what Mr B and L2G had told us. And he thought that L2G hadn’t lent irresponsibly. So he didn’t uphold... (2 pages)View decision -
Decision Reference DRN-3770418
14 Nov 2022 Loans 2 Go Limited Not upheldConsumer CreditDRN-3770418 Complaint Mrs O has complained that Loans 2 Go Limited (“L2G”) irresponsibly lent to her. Background Mrs O applied for a loan of £400 with L2G in September 2021. One of our adjudicators reviewed what Mrs O and L2G had told us. And he thought that L2G hadn’t lent irresponsibly. ... (2 pages)View decision -
Decision Reference DRN-3760594
9 Nov 2022 Loans 2 Go Limited Not upheldConsumer CreditDRN-3760594 Complaint Miss T has complained that Loans 2 Go Limited (“L2G”) irresponsibly lent to her. Background Miss T applied for a loan of £500 with L2G in June 2022. One of our adjudicators reviewed what Miss T and L2G had told us. And he thought that L2G hadn’t lent irresponsibly. So... (2 pages)View decision -
Decision Reference DRN-5594920
3 Jul 2025 Santander UK Plc Not upheldConsumer CreditDRN-5594920 Complaint Mrs C has complained about a loan Santander UK Plc (“Santander”) provided to her. She says the loan was unaffordable and so shouldn’t have been provided. Background Santander provided Mrs C with a loan for £7,000.00 in January 2020. This loan was due to be repaid ... (2 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 DRN5460133
15 Jun 2018 Avantcredit Of Uk, Llc Not upheldBanking and creditMrs N complains that AvantCredit of UK, LLC (“AC”) engaged in irresponsible lending to her.backgroundMrs N says when she applied for her loan she was told her bank statements were a requirement of the application process, to prove her income and expenditure and to s... (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-3269346
2 Mar 2022 TM Advances Limited Not upheldConsumer CreditDRN-3269346 Complaint Mr G has complained about a loan TM Advances Limited (“TM Advances”) provided to him. He says TM Advances irresponsibly lent him this loan. Background One of our adjudicators reviewed what Mr G and TM Advances had told us. And she thought that TM Advances hadn’t lent ... (2 pages)View decision -
Decision Reference DRN-3312102
5 May 2022 Next Retail Limited Not upheldConsumer CreditDRN-3312102 The complaint Mr C complains that Next Retail Limited trading as Next Directory (“Next”) lent to him irresponsibly and provided credit that was unaffordable for him. What happened In July 2017 Mr C opened a shopping account with Next. He had an initial account limit of £125. In... (2 pages)View decision
