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-4549774
5 Apr 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4549774 The complaint Miss S has complained that Santander UK Plc (Santander) increased her overdraft limit without doing the right affordability checks. She says the increases were unaffordable and has asked for interest and charges incurred on the overdraft from the point her limit w... (3 pages)View decision -
Decision Reference DRN-3473661
26 May 2022 Lendable Ltd UpheldConsumer CreditDRN-3473661 The complaint Mr V has complained that Lendable Ltd was irresponsible in lending to him. What happened In August 2021 Lendable provided Mr V with a loan of £5,000 repayable over 24 months. The monthly repayments were £293.08. After he struggled to repay the loan, Lendable put i... (3 pages)View decision -
Decision Reference DRN-3914736
9 Feb 2023 Fluro Platform Limited Not upheldConsumer CreditDRN-3914736 The complaint Mr L complains Fluro Platform Limited trading as Lending Works (‘Lending Works’) irresponsibly lent to him. What happened Lending Works approved Mr L for a £5,000 loan in June 2019. The term of the loan was 36 months, with repayments of approximately £170 per mont... (3 pages)View decision -
Decision Reference DRN-4998923
19 Sep 2024 Tesco Personal Finance PLC UpheldConsumer CreditDRN-4998923 The complaint Mr J has complained that Tesco Personal Finance PLC trading as Tesco Bank (“Tesco”) gave him a loan he couldn’t afford to repay. What happened Tesco gave Mr J a 60-month loan of £15,000 on 11 November 2023. Mr J’s monthly repayments are £396.71. The loan had a... (4 pages)View decision -
Decision Reference DRN-3921748
24 Jan 2023 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-3921748 The complaint Mr G complains that Tesco Personal Finance PLC irresponsibly gave him a loan that he couldn’t afford. For simplicity, I will refer to the business throughout as ‘Tesco’. What happened In May 2017, Mr G applied for a loan with Tesco. He was given a loan of £24,999 ... (4 pages)View decision -
Decision Reference DRN-5300194
26 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5300194 The complaint Mr H complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr H applied for a credit card with Vanquis in April 2012. In his application, Mr H said he was employed... (4 pages)View decision -
Decision Reference DRN-3224315
21 Dec 2021 Bamboo Limited UpheldConsumer CreditDRN-3224315 The complaint Mr S complains Bamboo Limited didn’t complete reasonable and proportionate checks when approving him for a guarantor loan. What happened Mr S was approved for a guarantor loan with Bamboo in November 2015. Mr S complained to Bamboo in January 2020 and it didn’t u... (4 pages)View decision -
Decision Reference DRN-5885347
23 Oct 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5885347 The complaint Miss S complains that NewDay Ltd, trading as Marbles, lent to her irresponsibly. What happened Miss S held a credit card with NewDay; I’ve set out the lending history below: Date Event Limit (£) 1 August 2021 Account opened £25012 August 2022 Credit Limit Inc... (4 pages)View decision -
Decision Reference DRN-5485558
26 Sep 2025 Amplifi Capital (U.K.) Limited Not upheldConsumer CreditDRN-5485558 The complaint Mr J complains that Amplifi Capital (U.K.) Limited trading as Reevo Money (“Reevo”) lent to him without doing proper affordability checks. If it had it would have seen he already had loans and credit cards meaning he could not afford the Reevo loan. What happen... (4 pages)View decision -
Decision Reference DRN-3246719
27 May 2022 Loans 2 Go Limited Not upheldConsumer CreditDRN-3246719 The complaint Mr J has complained that Loans 2 Go Limited acted irresponsibly when it provided him with a loan in January 2021. Background Mr J took out a loan for £780 over 18 months in January 2021 with Loans 2 Go. He was charged interest at a rate of 1,059% APR which meant t... (3 pages)View decision
