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-4358139
4 Oct 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4358139 The complaint Mr H complained to Barclays Bank UK PLC (“Barclays”) in August 2022 about an increased overdraft facility that was granted to him in March 2022. Mr H says Barclays acted irresponsibly in providing him with the increased overdraft facility, that it was unaffordable... (3 pages)View decision -
Decision Reference DRN8853874
10 Oct 2017 Casheuronet UK LLC UpheldBanking and creditMr K complains that CashEuroNet UK LLC (trading as Quick Quid) gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges and removes information about the loans from his credit file. Mr K is represented by a claims management company... (3 pages)View decision -
Decision Reference DRN-4170879
5 Jul 2023 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-4170879 The complaint Miss R complains that BMW Financial Services(GB) Limited (“BMWFS”) irresponsibly approved a hire purchase agreement with her that she couldn’t afford. What happened In July 2020 Miss R acquired a new car using a hire purchase agreement from BMWFS. The agreement re... (4 pages)View decision -
Decision Reference DRN-4985261
21 Mar 2025 IG Index Limited Not upheldInvestmentsDRN-4985261 The complaint Mr H complains that IG Index Limited (‘IG’) should’ve stopped him from trading on its platform. What happened In March 2020 Mr H opened a spread betting account with IG. As part of that he completed an online appropriateness test which IG used to decide whether... (3 pages)View decision -
Decision Reference DRN-4843073
23 Aug 2024 Auto Accept Finance Limited Not upheldConsumer CreditDRN-4843073 The complaint Mr P complains through a representative that Auto Accept Finance Limited (“AAF”) didn’t take reasonable steps to ensure he could afford the repayments towards a hire purchase agreement. What happened In October 2023, AAF provided Mr P with a hire purchase agre... (3 pages)View decision -
Decision Reference DRN-5956071
22 Jan 2026 Gain Credit LLC Not upheldConsumer CreditDRN-5956071 The complaint Miss B complains that Gain Credit LLC trading as Lending Stream lent to her irresponsibly. What happened Miss B took two loans from Lending Stream. Loan 1 was taken in August 2024 for £550 and paid off 28 March 2025. Loan 2 was taken in April 2025 for £1,000. I... (2 pages)View decision -
Decision Reference DRN6235962
14 Jul 2017 Casheuronet UK LLC UpheldBanking and creditMr R has complained about loans granted to him by CashEuroNet UK LLC (trading as both “Quick Quid” and as “Pounds to Pocket”). He’s said they were unaffordable for him.backgroundCashEuroNet says it agreed 28 loans for Mr R (as Quick Quid) during the period August 2009 ... (7 pages)View decision -
Decision Reference DRN-5874834
11 Feb 2026 Everyday Lending Limited Not upheldConsumer CreditDRN-5874834 The complaint Mrs S complains Everyday Lending Limited trading as Everyday Loans irresponsibly lent to her. What happened Mrs S took out an unsecured loan from Everyday Loans. This loan was approved on 15 September 2021 and was for £2,000; the monthly repayments were £182.07... (3 pages)View decision -
Decision Reference DRN-3653601
24 Oct 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3653601 The complaint Mr W complains that Everyday Lending Limited trading as Everyday Loans (Everyday) irresponsibly lent him money on a high cost loan that he couldn’t afford to repay. What happened Everyday provided a loan to Mr W, on 12 March 2018, for £1,750, repayable over 12 mon... (4 pages)View decision -
Decision Reference DRN5370596
11 Apr 2018 Barclays Bank Plc Not upheldBanking and creditMr G complains that Barclays Bank Plc, trading as Barclaycard, acted irresponsibly by allowing him to open a credit card account, and then by increasing his credit limit.backgroundMr G applied for the credit card account in 2011. He says he had a poor credit histor... (2 pages)View decision