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 5830 results
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Decision Reference DRN-5706948
4 Aug 2025 UK Credit Limited Not upheldConsumer CreditDRN-5706948 Complaint Mr K has complained that UK Credit Limited (“UK Credit”) unfairly accepted him as a guarantor on a loan that it provided to a borrower who was known to him. He says he wasn’t in a position to be able to afford to make the repayments to the loan in the event he had ... (3 pages)View decision -
Decision Reference DRN-5943627
3 Dec 2025 UK Mortgage Lending Ltd UpheldMortgagesDRN-5943627 The complaint Miss S says that a secured (second charge) loan she took out in 2024 with UK Mortgage Lending Ltd trading as Pepper Money was unaffordable and irresponsibly lent. What happened Miss S applied for this loan through an independent mortgage broker. The offer issue... (5 pages)View decision -
Decision Reference DRN3248436
27 Feb 2019 Bank of Scotland Plc Not upheldBanking and creditMr C complains that about the lending that Bank of Scotland plc (“BoS”) made to him. This complaint deals with his credit card account.backgroundMr C said that he was given bad advice by BoS about consolidating his debts, then allowed to borrow again. He has complained... (4 pages)View decision -
Decision Reference DRN-5063280
7 Nov 2024 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5063280 The complaint Mr E complains that Oodle Financial Services Limited trading as Oodle Car Finance was irresponsible in its lending to him. He wants all interest and charges refunded along with interest and compensation for the distress and inconvenience he has been caused. Mr ... (3 pages)View decision -
Decision Reference DRN-5424615
3 Apr 2025 The Co-operative Bank Plc UpheldBanking and PaymentsDRN-5424615 The complaint Mr B is unhappy that The Co-operative Bank Plc (“Co-op”) refused his account application, which he believes is due to the lack of gambling blocks they provide. What happened I issued a second provisional decision on this complaint, inviting both parties to let... (3 pages)View decision -
Decision Reference DRN-4217839
30 Jun 2023 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-4217839 The complaint Mr S complains that American Express Services Europe Limited (Amex) lent to him irresponsibly. What happened In February 2022, Mr S applied for a credit card from Amex. It was agreed with a limit of £8,000. Minimum payments (or more) were made until September 2022... (4 pages)View decision -
Decision Reference DRN8963018
13 Sep 2018 Everyday Lending Limited Not upheldBanking and creditMr H complains that Everyday Lending Limited (trading as Everyday Loans) (EL) lent him money irresponsibly. backgroundThe background to this complaint and my provisional findings are set out in my provisional decision dated 8 August 2018 – a copy is attached and this f... (5 pages)View decision -
Decision Reference DRN-1862646
27 May 2020 Commsave Credit Union Limited Not upheldConsumer CreditDRN-1862646 The complaintMr F believes Commsave Credit Union Limited acted irresponsibly by agreeing loans he’d applied for. What happenedI issued my provisional decision on this complaint on 19 May 2020, a copy of which is below and forms part of this decision. copy of provisional decisio... (6 pages)View decision -
Decision Reference DRN-6003969
8 Dec 2025 Lendable Ltd Not upheldConsumer CreditDRN-6003969 The complaint Mrs S is unhappy Lendable Ltd provided her with a loan which she feels was unaffordable. She feels that, had they done more checks, they would’ve realised that she had a gambling addiction. What happened Lendable provided Mrs S with a loan for £7,000 in March... (4 pages)View decision -
Decision Reference DRN-5805272
28 Apr 2026 Gain Credit LLC Not upheldConsumer CreditDRN-5805272 The complaint Mr F complains that Gain Credit LLC trading as Lending Stream lent to him irresponsibly when it approved four loans for him in 2024 and 2025. What happened Here is a brief table setting out the loans approved for Mr F. Loan Approved Amount Repayments (rounded) ... (5 pages)View decision