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
-
Decision Reference DRN5077734
1 Feb 2018 Euronetcash, Llc Not upheldBanking and creditMr S complains that EuroNetCash LLC (trading as On Stride Financial) gave him a loan that he couldn’t afford.backgroundIn 2015 Mr S took a loan for £1,000 with On Stride Financial. The loan was repayable by thirteen monthly instalments of £104.24.Mr S repaid the loan ... (2 pages)View decision -
Decision Reference DRN8108807
15 Mar 2018 Barclays Bank Plc Not upheldBanking and creditMr H complains about interest and charges on his credit card with Barclays Bank Plc (trading as Barclaycard). He thinks they should have done more to assist him because he was in financial difficulty.backgroundIn 1993, Mr H opened a Barclaycard account. Mr H unfortunately ... (3 pages)View decision -
Decision Reference DRN-4677141
18 Mar 2024 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-4677141 Complaint Mr S complains that Clydesdale Financial Services Limited (trading as Barclays Partner Finance (“Barclays PF”)) unfairly entered into a conditional sale agreement with him. He’s said that he entered into this agreement at the time that he was suffering from a gambling... (4 pages)View decision -
Decision Reference DRN-5705055
14 Aug 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5705055 The complaint Mr M complains about the actions of Barclays Bank UK Plc in relation to payments from his account that he says he didn’t make or otherwise authorise. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a... (4 pages)View decision -
Decision Reference DRN4126916
3 Mar 2021 Next Retail Limited UpheldBanking and creditMiss S complains that Next Retail Limited acted irresponsibly in increasing her credit limit on her NextPay account in July 2017. background The background to this complaint was set out in the provisional decision I issued in January 2021. An extract from this is attached and forms part of... (7 pages)View decision -
Decision Reference DRN-5841904
25 Sep 2025 Loans 2 Go Limited UpheldConsumer CreditDRN-5841904 The complaint Miss C says Loans 2 Go Limited irresponsibly lent to her. What happened Miss C took out a loan for £400 over 18 months from Loans 2 Go on 19 September 2020. The monthly repayments were £91.42 and the total repayable was £1,645.56. She says Loans 2 Go did not d... (3 pages)View decision -
Decision Reference DRN0353893
16 Apr 2018 Hitachi Capital (UK) Plc Not upheldBanking and creditMr M complains that Hitachi Capital (UK) Plc didn’t carry out affordability checks before accepting his loan application.backgroundMr M applied for a personal loan on 11 June 2015 for the sum of £10,000. On his application Mr M said he was living with his parents, ha... (3 pages)View decision -
Decision Reference DRN-2956832
11 Aug 2021 Madison CF UK Limited Not upheldConsumer CreditDRN-2956832 The complaint Mr B says Madison CF UK Limited (trading as 118 118 Money) lent to him irresponsibly. What happened Mr B took out a 24-month loan for £1000 in June 2017. The monthly repayment was £98.71 and the total repayable was £2369.04. Mr B says 118 118 Money took advantage ... (3 pages)View decision -
Decision Reference DRN-3052071
14 Apr 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3052071 The complaint Mr F has complained that Madison CF UK Limited (trading as 118 118 Money) acted irresponsibly when it agreed to give him a loan in 2018. Background Mr F applied for a loan with 118 118 Money in October 2018. The loan was for a total of £1,000 to be repaid over 18 ... (2 pages)View decision -
Decision Reference DRN-5644682
8 Sep 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5644682 The complaint Mr L complains that Clydesdale Bank Plc trading as Virgin Money lent irresponsibly when it approved his credit card application. What happened Mr L applied for a Virgin Money credit card in July 2024. In his application, Mr L said he was earning £33,500 a year... (3 pages)View decision
