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-2480341
30 Jan 2021 Everyday Lending Limited Not upheldConsumer CreditDRN-2480341 The complaint Mrs H believes Everyday Lending Limited, trading as Everyday Loans, acted irresponsibly by agreeing a loan she’d applied for. What happened In December 2011 Mrs H took out a £1,000 loan with Everyday, to be repaid over 11 months with repayments of £168.20 a month.... (3 pages)View decision -
Decision Reference DRN-3047407
14 Sep 2021 Carcashpoint Limited UpheldConsumer CreditDRN-3047407 The complaint Mr G complains that Car Cash Point Limited, trading as CarCashPoint, (“CCP”), lent to him in an irresponsible manner. What happened Mr G was given three loans by CCP from June 2016 to November 2017. All the loans have been repaid following Mr G’s car being reposs... (10 pages)View decision -
Decision Reference DRN7127166
21 Dec 2020 Everyday Lending Limited Not upheldBanking and creditMr W complains that Everyday Lending Limited (“ELL”) lent to him in an irresponsible manner. background Mr W was given a single loan by ELL in April 2008. He borrowed £750 and agreed to repay the loan in twelve monthly instalments. Mr W does appear to have faced some problems making his re... (3 pages)View decision -
Decision Reference DRN-4867534
17 Jul 2024 Madison CF UK Limited Not upheldBanking and PaymentsDRN-4867534 The complaint Mr G complains that Madison CF UK Limited (trading as 118 118 Money) lent irresponsibly. What happened 118 118 Money approved Mr G for a credit card with a £1,200 limit on 3 July 2021. Mr G says 118 118 Money didn’t carry out proper affordability checks befor... (3 pages)View decision -
Decision Reference DRN-5583410
3 Oct 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5583410 THE COMPLAINT Mr H complains that Barclays Bank UK PLC (“Barclays”) will not reimburse him money he says he lost when he fell victim to fraud. WHAT HAPPENED The circumstances of this complaint are well known to all parties concerned, so I will not repeat them again here in ... (3 pages)View decision -
Decision Reference DRN-4707427
3 Jun 2024 Fairscore Ltd UpheldConsumer CreditDRN-4707427 The complaint Mr B complains about Fairscore Ltd’s, trading as Updraft, three lending decisions which he believes were irresponsible. What happened Mr B took out the following three loans with Updraft: Loan 1 o£5,000 in October 2020 oRequiring 35 monthly repayments of £182.37 ... (3 pages)View decision -
Decision Reference DRN8361979
22 Jun 2017 Euronetcash, Llc Not upheldBanking and creditMr D complains that EuroNetCash LLC, trading as On Stride Financial, irresponsibly lent him money without properly carrying out checks of whether he could afford to repay it.backgroundIn December 2016 Mr D borrowed £4,000 from On Stride Financial over a term of three ... (2 pages)View decision -
Decision Reference DRN-3427621
16 May 2022 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3427621 The complaint Mr P complains that Lloyds Bank PLC irresponsibly increased his overdraft facility to unaffordable levels. What happened Mr P says Lloyds increased his overdraft facility to over £2,000 in a short time period. He says he had complex mental health issues which resu... (2 pages)View decision -
Decision Reference DRN5219678
7 Nov 2017 Capital One (Europe) plc Not upheldBanking and creditMr N complains that Capital One (Europe) plc acted irresponsibly in increasing the credit limit on his account.backgroundMr N held a credit card account with Capital One. He says that Capital One acted irresponsibly when it increased the credit limit on the card in 201... (2 pages)View decision -
Decision Reference DRN6214056
28 Mar 2017 HSBC Bank plc Not upheldBanking and creditMr S complains that HSBC Bank Plc was irresponsible in lending him money.backgroundIn the autumn of 2016 Mr S increased his overdraft limit using the bank’s online facility. The bank declined a further request and he applied for a loan of some £7,500, a small part of... (2 pages)View decision
