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 DRN7188246
14 Aug 2018 WDFC UK Limited UpheldBanking and creditMiss H has complained about a series of payday loans she took out with WDFC UK Limited (trading as Wonga.com) (“Wonga”). She says she was in financial difficulties at the time and that Wonga should’ve done more checks before lending. Miss H says “a proper credit ch... (30 pages)View decision -
Decision Reference DRN-3585304
25 Nov 2022 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3585304 The complaint Mr H complains that Creation Financial Services Limited (“Creation”) provided him with credit he couldn’t afford to repay. What happened Creation approved a credit card application for Mr H in July 2018. The credit limit was set at £1,000 and doesn’t appear to hav... (2 pages)View decision -
Decision Reference DRN-4663994
7 May 2024 Tandem Personal Loans Ltd UpheldConsumer CreditDRN-4663994 The complaint Mr O complains that Tandem Personal Loans Ltd (“Tandem”), who were 1 st Stop Personal Loans Limited, provided him with credit that he couldn’t afford to repay. What happened Tandem approved a loan of £7,000 for Mr O in February 2020. The loan was to be repaid at £... (2 pages)View decision -
Decision Reference DRN9439390
16 Apr 2015 WDFC UK Limited UpheldBanking and creditMr A has complained that a number of loans he took out with WDFC UK Limited during 2012 and 2013 were unaffordable.backgroundMr A took out a number of loans with WDFC between 2012 and 2013. Subsequently, WDFC wrote to Mr A to say his outstanding balance had been wri... (2 pages)View decision -
Decision Reference DRN-2756422
12 May 2021 Loans 2 Go Limited Not upheldConsumer CreditDRN-2756422 The complaint Miss M complains about a loan provided to her by Loans 2 Go limited, (“L2G”) which she says was unaffordable. What happened Miss M was given a single loan by Loans 2 Go. She took the loan out on 7 February 2020 for £250 and was due to repay it in 18 monthly instal... (5 pages)View decision -
Decision Reference DRN-5470045
15 May 2025 Tesco Personal Finance Limited Not upheldBanking and PaymentsDRN-5470045 The complaint Mr F complains that Tesco Personal Finance Limited trading as Tesco Bank was irresponsible in its lending to him. He wants all interest and charges refunded along with statutory interest and any adverse information removed from his credit file. Mr F is represen... (2 pages)View decision -
Decision Reference DRN-2025700
26 Jul 2020 Stagemount Limited UpheldConsumer CreditDRN-2025700 The complaintMr B complains that Stagemount Limited trading as ‘Quid Market’ acted irresponsibly when lending to him. What happenedIn October and November 2019 Quid Market provided Mr B with loans, each due to be repaid by instalments over a number of months. In the event, Mr ... (4 pages)View decision -
Decision Reference DRN-2559653
21 Jul 2021 Advancis Limited UpheldConsumer CreditDRN-2559653 The complaint Mr L has complained that Advancis Limited (trading as “Buddy Loans”) lent to him irresponsibly. What happened Mr L was given a fixed term guarantor loan by Buddy Loans. The details of this is given below: Date taken Instalments Amount Repayments Total to repay 15... (4 pages)View decision -
Decision Reference DRN0193183
30 Jun 2015 Microcredit Limited UpheldBanking and creditMr S has complained about the affordability of loans he took out with Microcredit Limited. He also says the interest and charges were extortionate.backgroundMr S took out a number of payday loans with Microcredit between December 2011 and April 2012. He repaid all of these ... (2 pages)View decision -
Decision Reference DRN8987323
30 Sep 2014 PDL Finance Limited Not upheldBanking and creditMr Q has complained that PDL Finance Limited (trading as Mr Lender) did not carry out appropriate checks into his credit history when he applied for credit with them, and the loans were not affordable.background Mr Q took out a loan with Mr Lender in 2011 for £200.... (2 pages)View decision
