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 4607 results
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Decision Reference DRN-3765618
20 Oct 2022 Nationwide Building Society UpheldBanking and PaymentsDRN-3765618 The complaint Mr B complains that Nationwide Building Society (‘Nationwide’) irresponsibly gave him credit that he couldn’t afford. What happened In June 2016 Mr B took out a loan for £13,428.23, a term of 60 months and a monthly premium of £275.86. Mr B also took out a credit ... (3 pages)View decision -
Decision Reference DRN-3800965
2 Dec 2022 Inclusive Finance Limited Not upheldConsumer CreditDRN-3800965 The complaint Miss M complains that Inclusive Finance Limited trading as Creditspring lent to her irresponsibly. What happened Miss M had been provided with a loan by CreditSpring in November 2019. The loan was repaid early, and Miss M doesn’t have a complaint about that. Credi... (3 pages)View decision -
Decision Reference DRN-5297514
30 Jan 2025 National Westminster Bank Plc UpheldConsumer CreditDRN-5297514 The complaint Mr M has complained that NatWest acted irresponsibly when it provided him with a loan for £7,500 in December 2022. Background Mr M applied for a loan, and two credit cards, with NatWest in December 2022. All three forms of credit were approved. Mr M has since ... (3 pages)View decision -
Decision Reference DRN-2343561
10 Dec 2020 Carcashpoint Limited UpheldConsumer CreditDRN-2343561 The complaint Mr P complains that CarCashPoint Limited lent to him in an irresponsible manner. What happened Mr P was given four loans by CarCashPoint as shown in the table below. Each of the loans was secured on a vehicle that Mr P owned. It appears that, from time to time, Mr... (4 pages)View decision -
Decision Reference DRN-3518007
17 Jun 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3518007 The complaint Mr V complains that AvantCredit of UK, LLC lent to him irresponsibly. What happened Mr V took two loans. Here is a brief table of the loans approved for him. We have a little information about loan 1 from Mr V and we have not received any information about loan 1 ... (4 pages)View decision -
Decision Reference DRN-5115361
1 Nov 2024 Gain Credit LLC UpheldConsumer CreditDRN-5115361 The complaint Miss B complains that Gain Credit LLC trading as Lending Stream (“Lending Stream”) gave her loans she couldn’t afford to repay, and Lending Stream would’ve realised that had it made better checks. What happened A summary of Miss B’s borrowing can be found in t... (8 pages)View decision -
Decision Reference DRN-4418956
25 Oct 2023 Nationwide Building Society UpheldConsumer CreditDRN-4418956 The complaint Mr B’s complaint is that Nationwide Building Society irresponsibly provided him with three unaffordable loans. What happened Nationwide provided Mr B with the following loans: Loan Date of loan Capital amount Term (months) Monthly repayments Total repayable value ... (5 pages)View decision -
Decision Reference DRN2125227
19 Sep 2018 HSBC Bank plc Not upheldBanking and creditMiss T complains that HSBC Bank Plc (HSBC) should not have approved her credit card application as she had multiple pay day loans, a low credit score, missed payments on her credit file and had a history of gambling. backgroundMiss T applied to HSBC for a credit ... (2 pages)View decision -
Decision Reference DRN-3727431
2 Nov 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3727431 The complaint Mr S complains that Avant Credit of UK, LLC trading as SpringCoin and as AvantCredit, lent to him when it had not carried out thorough credit checks and if it had it would not have lent to him. What happened Using information from AvantCredit here is a brief loan ... (5 pages)View decision -
Decision Reference DRN5894603
15 Jan 2020 Capital One (Europe) plc UpheldBanking and creditMr A complains that Capital One (Europe) plc lent to him irresponsibly.backgroundMr A took out a credit card with Capital One in 2006, with a limit of £500. It then increased his credit limit twice, in October 2016 to £1,500, and October 2017 to £2,500. He feels that it was irresponsible t... (5 pages)View decision
