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 5118 results
-
Decision Reference DRN8744970
20 Jul 2020 Retail Money Market Ltd UpheldBanking and creditMrs S complains that Retail Money Market Ltd wrongly allowed her then husband to take out a loan in her name, but has sought payment from her. Retail Money Market Ltd trades as RateSetter.backgroundIn June 2018 a £3,500 loan was taken out in Mrs S’s name. The loan proceeds were paid into t... (3 pages)View decision -
Decision Reference DRN-5454192
3 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5454192 The complaint Mr O complains that NewDay Ltd lent irresponsibly when it approved two credit card applications and increased the credit limit on both accounts. What happened The background to this complaint and my initial conclusions were set out in a provisional decision. I... (5 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 DRN6520857
31 May 2017 MEM Consumer Finance Limited UpheldBanking and creditMr T complains that MEM Consumer Finance Limited (trading as Payday UK) gave him loans he couldn’t afford to repay. He asks for compensation and a full refund. Mr T is represented by a claims management company.backgroundMr T took out nine loans with Payday UK ... (5 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 DRN2239831
30 Mar 2017 Lending Stream Llc UpheldBanking and creditMr K has complained about short-term loans granted to him by Lending Stream LLC (“Lending Stream” or “the lender”). backgroundThe background to the complaint was set out in my provisional decision dated 9 March 2017, a copy of which is attached and forms part of this fi... (5 pages)View decision -
Decision Reference DRN-4348873
17 Oct 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4348873 The complaint Mrs W complains that Vanquis Bank Limited irresponsibly lent to her. What happened Mrs W applied for a credit card from Vanquis in September 2014. It gave her a £250 credit limit and increased this to £500 in March 2015 and to £1,500 in March 2017. Vanquis upheld ... (2 pages)View decision -
Decision Reference DRN-1724367
25 Mar 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-1724367 The complaint Mr M complains about a personal loan provided to him by Loans 2 Go Limited, trading as Loans 2 Go, (“L2G”), which he says was unaffordable. The complaint is brought to this service on Mr M’s behalf by a family member. But for ease, I shall refer below to all actio... (5 pages)View decision -
Decision Reference DRN-3042682
12 Jan 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3042682 The complaint Mr H complains that Barclays Bank Plc trading as Barclaycard, did not refund the payments he says he didn’t otherwise authorise to an investment scam company. What happened Mr H responded to an advert posted by 23 Traders. He spoke with an account manager over the... (5 pages)View decision -
Decision Reference DRN-2994611
20 Aug 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2994611 The complaint Mrs P says that Barclays Bank UK PLC trading as Barclaycard (“Barclaycard”) has lent to her irresponsibly. She would like appropriate compensation and an apology for the distress caused. What happened Mrs P says her credit report score has always been low and tha... (5 pages)View decision
