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 5125 results
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Decision Reference DRN-4195852
6 Jul 2023 Lendable Ltd Not upheldBanking and PaymentsDRN-4195852 The complaint Mr W complains that Lendable Ltd trading as Zable lent to him irresponsibly. What happened In September 2021 Mr W applied for a credit card with Zable. Zable approved the application and gave Mr W a card with an initial credit limit of £500. The credit limit was i... (2 pages)View decision -
Decision Reference DRN5440551
14 Nov 2017 Gracombex Ltd Not upheldBanking and creditMrs W, on behalf of her son Mr W, complains that Gracombex Ltd (trading as The Money Platform) (TMP) lent him a peer to peer instalment loan that was unaffordable. She’s also unhappy with its systems and processes. Mrs W wants it to stop all interest and agree a re... (2 pages)View decision -
Decision Reference DRN4018584
17 Mar 2021 Tesco Personal Finance PLC UpheldBanking and creditMr D complains about Tesco Personal Finance PLC’s decision to lend to him. Mr D is represented by his mother, but, to keep things simple, I’ll refer to everything that’s been said on his behalf as if Mr D had said it himself. background I set out the background to Mr D’s complaint in my ea... (9 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 DRN5262863
15 Aug 2019 Barclays Bank UK PLC Not upheldBanking and creditMr J complains that Barclays Bank UK plc is holding him liable for a series of gambling transactions that he says he neither made nor authorised. backgroundOver the course of one day in August 2017 twenty-seven payments totalling £2,200 were made from Mr J’s Barclays account. Each payment... (2 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 -
Decision Reference DRN-2596567
26 Jul 2021 MBNA Limited Not upheldBanking and PaymentsDRN-2596567 The complaint Mr H complains that MBNA Ltd (MBNA) were irresponsible in approving his application for a credit card. What happened In March 2017 Mr H applied for and obtained a credit card with MBNA. He was given a £1,500 credit limit. He has said that at that time he had a com... (2 pages)View decision -
Decision Reference DRN8844292
22 Oct 2014 National Westminster Bank Plc UpheldBanking and creditMr Y, represented in this case by Ms C, complains that National Westminster Bank Plc (“the bank”) allowed him to continue opening accounts, and taking them into overdraft, when it knew that he had a gambling problem for which he was receiving treatment, and had previously assured him t... (2 pages)View decision -
Decision Reference DRN-5287893
10 Feb 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5287893 The complaint Mr T has complained that NewDay Ltd acted irresponsibly when it provided him with two credit cards in 2020 and 2022. Background Mr T applied for a ‘Marbles’ credit card with NewDay in August 2020. His application was approved, and he was provided with a card wi... (3 pages)View decision -
Decision Reference DRN-4069555
8 Sep 2023 Metro Bank PLC UpheldConsumer CreditDRN-4069555 The complaint Miss M complains that Metro Bank PLC, trading as RateSetter, lent to her irresponsibly and without carrying out proper affordability checks. What happened In April 2022 RateSetter granted Miss M a loan for £4,000 which was scheduled to be repaid at approximately £... (3 pages)View decision
