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 DRN4189279
19 Oct 2017 Capital One (Europe) plc Not upheldBanking and creditMr A complains that Capital One (Europe) plc won’t refund to him the money that he paid for some trading contracts. His complaint is made against Capital One under section 75 of the Consumer Credit Act 1974 and the chargeback rules. backgroundMr A used his Capital One... (2 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-3447073
4 May 2022 Lendable Ltd UpheldConsumer CreditDRN-3447073 The complaint Mr M says Lendable Ltd lent to him irresponsibly. What happened Mr M took out a 60-month instalment loan for £3,000 from Lendable on 7 August 2018. The monthly repayment was £103.09 and the total repayable was £6,193.08. Mr M says the loan was not affordable – he ... (3 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-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 DRN-5067988
31 Oct 2024 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-5067988 Complaint Mr H complains that Specialist Motor Finance Limited (“SMF”) unfairly entered into a hire- purchase agreement with him. He’s said he shouldn’t have been lent to given his previous credit history. Background In July 2023, SMF provided Mr H with finance for a used c... (3 pages)View decision -
Decision Reference DRN-3123292
17 Jan 2022 TFS Loans Limited UpheldConsumer CreditDRN-3123292 The complaint Mr H complains about a guarantor loan provided to him by TFS Loans Limited, (“TFS”), which he says was unaffordable. What happened TFS provided Mr H with a loan of £12,000 on 2 December 2016. The loan was secured by a guarantor who would be responsible for repayin... (6 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 -
Decision Reference DRN-5488843
17 Sep 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5488843 The complaint Mr C complains HSBC Bank UK Plc (“HSBC”) irresponsibly lent him a credit card. What happened In April 2024, Mr C applied for a credit card with HSBC. The application was approved, and he was given a limit of £1,000. On 1 April 2024 HSBC gave him a £10,000 lo... (2 pages)View decision