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-3091261
6 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3091261 The complaint Mr B complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved his credit card and later increased the credit limit twice. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. In ... (3 pages)View decision -
Decision Reference DRN-1562198
21 Sep 2020 MBNA Limited Not upheldBanking and PaymentsDRN-1562198The complaintMr P is unhappy that MBNA Limited allowed him to increase his credit limit and to make money transfers. He said the card was unaffordable. What happenedMr P took out a credit card with MBNA. This had a 0% promotional rate on money transfers for the first 20 months. ... (3 pages)View decision -
Decision Reference DRN-3626976
17 Aug 2022 Lendable Ltd Not upheldConsumer CreditDRN-3626976 Complaint Mr N has complained about loans Lendable Ltd (“Lendable”) provided to him. He says his income exceeded his expenditure and he shouldn’t have been provided with these loans. Background Lendable provided Mr N with a first loan for £1,200.00 in October 2020. This loan wa... (3 pages)View decision -
Decision Reference DRN-3046168
7 Dec 2021 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-3046168 The complaint Miss J said that Creation Consumer Finance Ltd irresponsibly lent to her. What happened Creation provided the following loan to Miss J: Date taken Loan status Number of monthly instalments Loan amount Approximate monthly repayment* March 2018 Outstanding 48 £10,00... (4 pages)View decision -
Decision Reference DRN0164186
5 Sep 2016 Casheuronet UK LLC UpheldBanking and creditMr S complains that Casheuronet UK LLC (trading as Quick Quid) gave him unaffordable payday loans. He wants a refund of the interest he paid and for the loans to be removed from his credit file. backgroundMr S had ten payday loans and a Flex Credit loan from Quick Q... (2 pages)View decision -
Decision Reference DRN-2414203
8 Dec 2020 Oakbrook Finance Limited UpheldConsumer CreditDRN-2414203 The complaint Mr M complains that Oakbrook Finance Limited (trading as Likely Loans) was irresponsible to lend to him. What happened Mr M took out his first loan with Likely Loans on 3 June 2018. He initially borrowed £1,200 and was due to repay £139.16 per month for 12 months.... (3 pages)View decision -
Decision Reference DRN-5696912
1 Oct 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5696912 The complaint Mr N complains that Vanquis Bank Limited irresponsibly lent to him. Mr N is represented by a claims management company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr N himself. W... (5 pages)View decision -
Decision Reference DRN-2863247
11 Oct 2021 Western Circle Ltd Not upheldConsumer CreditDRN-2863247 The complaint Mr B has complained that Western Circle Ltd trading as Cashfloat didn’t carry out proper affordability checks. What happened Mr B took one payday loan from Cashfloat in September 2019. A summary of his borrowing, based on the information provided to us from Cashf... (3 pages)View decision -
Decision Reference DRN-4042311
3 Jul 2023 Commsave Credit Union Limited Not upheldConsumer CreditDRN-4042311 The complaint Miss F has complained to us about the irresponsible sale of loans given by Commsave Credit Union Limited (‘Commsave’). What happened Commsave thought the lending decisions were reasonable. Miss F didn’t agree and brought her complaint to this service. One of our i... (2 pages)View decision -
Decision Reference DRN6447450
6 Sep 2017 Nextcredit Limited UpheldBanking and creditMiss M complains that Nextcredit Limited gave her loans that she couldn’t afford.backgroundMiss M took out two loans with Nextcredit in 2016. Both were for £500. She took the first one in June. It was repayable by three monthly instalments of £197.55 and a final ... (3 pages)View decision
