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 4727 results
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Decision Reference DRN-3781587
10 Nov 2022 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3781587 The complaint Mr P complains that HSBC UK Bank Plc (‘HSBC Bank’) irresponsibly gave him a credit card account that he couldn’t afford. What happened On 22 November 2018, Mr P’s credit card was opened by HSBC Bank with an initial credit limit of £4,000. This credit limit was nev... (2 pages)View decision -
Decision Reference DRN-4440346
11 Jan 2024 Vanquis Bank Limited Not upheldConsumer CreditDRN-4440346 The complaint Mr H complains that Vanquis Bank Limited (‘Vanquis’) irresponsibly gave him a loan that he couldn’t afford. What happened On 12 July 2022, Mr H asked for and was given a loan for £3,000 which had a term of two years. In 2023, Mr H complained to Vanquis to say that... (2 pages)View decision -
Decision Reference DRN-5601663
13 Jun 2025 Oakbrook Finance Limited UpheldBanking and PaymentsThe complaint Mr R, who is represented by a third party, complains that Oakbrook Finance Limited, trading as Likely Loans (‘Likely Loans’), was irresponsible in providing him with five loans. What happened Mr R was provided with five fixed sum loan agreements between September 2020 and Mar... (5 pages)View decision -
Decision Reference DRN4898929
25 Jan 2018 DJS (UK) Limited Not upheldBanking and creditMr D complains that DJS (UK) Limited (trading as Piggybank) lent to him irresponsibly.backgroundMr D took out an £800 instalment loan with Piggybank in September 2017. He says that had Piggybank carried out adequate checks it would not have lent to him. He says that ... (2 pages)View decision -
Decision Reference DRN-4819491
19 Aug 2024 TSB Bank plc Not upheldConsumer CreditDRN-4819491 The complaint Miss G complains that TSB Bank plc lent to her irresponsibly. Miss G says that TSB should have known from the transactions on her current account and her credit card that she was gambling and so not lent to her. Miss G also complains about a telephone call she ... (8 pages)View decision -
Decision Reference DRN-4831102
15 Jul 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4831102 Complaint Mr C complains that Moneybarn No.1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the proper checks weren’t carried out and he was provided with finance that was unaffordable. Background In April 2021, Moneybarn p... (3 pages)View decision -
Decision Reference DRN0560452
31 Oct 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr D complains CURO TRANSATLANTIC LIMITED, trading as Wage Day Advance (WDA), lent to him irresponsibly.backgroundThe background to this complaint, and my provisional findings on it, can be found in my provisional decision which is attached to and forms a part of this ... (6 pages)View decision -
Decision Reference DRN-2814286
8 Apr 2022 Bamboo Limited UpheldConsumer CreditDRN-2814286 The complaint Mr L complains Bamboo Limited irresponsibly lent to him. Bamboo approved Mr L for two loans; one of which it agreed to refund on. So, this decision just covers the remaining loan in dispute. Mr L is represented by a claims management company, but for ease of refer... (3 pages)View decision -
Decision Reference DRN-4429276
3 Nov 2023 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-4429276 The complaint Mr C complains that Mitsubishi HC Capital UK Plc lent to him irresponsibly. What happened In October 2017, Mr C successfully applied for a loan of £20,000 with Mitsubishi HC Capital UK Plc (“Mitsubishi”). He was required to make 60 monthly payments of £414.47 and ... (3 pages)View decision -
Decision Reference DRN-3036451
8 Sep 2021 PDL Finance Limited UpheldConsumer CreditDRN-3036451 The complaint Mr T said PDL Finance Limited trading as Mr Lender gave him loans that he couldn’t afford. What happened Mr Lender provided loans to Mr T as follows: Loan Date Taken Date Repaid Instalment s Amount Highest Repayme nt 1 06/09/2014 02/10/2014 6 £250.00 £116.66 2 23/... (6 pages)View decision
