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 5478 results
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Decision Reference DRN-2764621
28 Apr 2021 PDL Finance Limited UpheldConsumer CreditDRN-2764621 The complaint Mr R complains that PDL Finance Limited trading as Mr Lender was irresponsible in its lending to him. What happened Mr R was provided with four loans by Mr Lender between October 2014 and August 2016. The details are set out below. Loan Amount Instalments Date Rep... (4 pages)View decision -
Decision Reference DRN-5654019
27 Jun 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5654019 The complaint Mr E complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened The background to this complaint and my initial conclusions were set out in a provisional deci... (4 pages)View decision -
Decision Reference DRN-5823055
18 Sep 2025 Admiral Financial Services Limited Not upheldConsumer CreditDRN-5823055 The complaint Miss W says Admiral Financial Services Limited, trading as Admiral Money, irresponsibly lent to her. What happened Miss W took out a loan for £5,000 over 48 months on 4 December 2023 from Admiral Money. The monthly repayments were £196.90 and the total repayabl... (3 pages)View decision -
Decision Reference DRN2721508
8 Dec 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr E complains that Curo Transatlantic Limited trading as Wage Day Advance (WDA) lent him money that he couldn’t afford to repay.backgroundMr E took out 16 loans with WDA between October 2012 and June 2014.Before this service became involved, WDA offered to refund i... (4 pages)View decision -
Decision Reference DRN4278886
8 Nov 2016 Casheuronet UK LLC UpheldBanking and creditMr H complains that Casheuronet UK LLC (trading as Quick Quid) lent to him irresponsibly.backgroundMr H took a number of loans with Quick Quid between December 2010 and August 2013.He says that, at the time, he was in serious financial difficulty and borrowing f... (4 pages)View decision -
Decision Reference DRN-3621851
14 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3621851 The complaint Mr B complains that NewDay Ltd (“NewDay”) irresponsibly granted him an Aqua credit card that he couldn’t afford to repay. What happened Mr B entered into an agreement with NewDay to have access to credit with an Aqua credit card account. The account was opened in ... (3 pages)View decision -
Decision Reference DRN4219668
15 May 2018 SLL Capital Limited UpheldBanking and creditMiss A complains that SLL Capital Limited was irresponsible to lend her money as it didn’t do enough checks to make sure the repayments were affordable.backgroundMiss A had ten instalment loans from SLL Capital between August 2011 and October 2013 as follows:NoRef Date Loa... (3 pages)View decision -
Decision Reference DRN-1563798
8 Jul 2020 Barclays Bank UK PLC Not upheldBanking and PaymentsComplaint Mr C complains that Barclays Bank UK PLC trading as Barclaycard (Barclays) acted irresponsibly when they allowed him to open a credit card account. Background Mr C has a credit card account with Barclays but feels that the card shouldn’t have been approved because when he applied... (3 pages)View decision -
Decision Reference DRN3414495
13 Jan 2020 Barclays Bank UK PLC Not upheldBanking and creditMr P complains that Barclays Bank UK PLC (trading as ‘Barclaycard’) acted irresponsibly when it increased his credit limit.backgroundI sent my provisional decision to both parties on 24 December 2019. A copy of this is attached and forms part of this final decision. In it I set out the bac... (4 pages)View decision -
Decision Reference DRN-5515683
8 May 2025 Halifax Share Dealing Limited UpheldInvestmentsDRN-5515683 The complaint Mr H complains that Halifax Share Dealing Limited (“HSDL”) allowed him to open a stocks and shares ISA account when it knew he had a gambling addiction. He wants HSDL to refund him the losses he made. What happened Mr H previously had a stocks and shares ISA ... (4 pages)View decision