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 DRN-4440496
27 Feb 2024 Evolution Lending Limited UpheldMortgagesDRN-4440496 The complaint Mr R complains that Evolution Lending Limited irresponsibly lent him two second charge mortgages (secured loans). What happened Following advice from a broker, Mr R took out a second charge loan with Evolution in June 2018. He borrowed around £10,500 at an interes... (4 pages)View decision -
Decision Reference DRN-5831565
2 Dec 2025 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-5831565 The complaint Mr C complains that Moneybarn No.1 Limited (Moneybarn) lent to him irresponsibly. What happened Mr C took out a motor finance agreement for £12,440 over 60 months with Moneybarn, in May 2016. The monthly repayments were £398.43, and Mr C settled the agreement ... (4 pages)View decision -
Decision Reference DRN4855415
17 Mar 2017 Creation Financial Services Limited UpheldBanking and creditMr S is unhappy that Creation Financial Services Limited (‘Creation’) charged him a cash advance fee when he used his credit card to buy some gift vouchers.backgroundIn December 2016, Mr S bought a £100 gift card with his credit card. On receipt of his credit card stat... (2 pages)View decision -
Decision Reference DRN-3598639
1 Sep 2022 National Westminster Bank Plc UpheldConsumer CreditDRN-3598639 The complaint Mr O complains that National Westminster Bank Plc (“Nat West”) provided him with credit he couldn’t afford to repay. What happened Nat West approved a £6,000 loan application and provided further credit in the form of a £1,500 overdraft limit in December 2021. Mr ... (2 pages)View decision -
Decision Reference DRN1231931
9 Sep 2016 Express Finance (Bromley) Limited UpheldBanking and creditMr C complains that Express Finance (Bromley) Limited (trading as Payday Express) gave him loans he couldn’t afford to repay. He asks that it writes off the debt, corrects his credit file and pays compensation.backgroundMr C took two loans from Payday Express in Nov... (2 pages)View decision -
Decision Reference DRN-4592585
29 Feb 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4592585 The complaint Miss B complains that Vanquis Bank Limited was irresponsible to lend to her. What happened Miss B was approved for a credit card with Vanquis on 26 November 2022. The credit limit was set at £1,200 and this remained unchanged. Miss B says Vanquis should have asked... (2 pages)View decision -
Decision Reference DRN4592814
23 Oct 2018 Casheuronet UK LLC UpheldBanking and creditMr R has complained about short-term loans granted to him by CashEuroNet UK LLC trading as QuickQuid. Mr R says he couldn’t afford these loans and that QuickQuid didn’t take appropriate steps to check whether he could afford them when he took them out. backgroundQuickQ... (4 pages)View decision -
Decision Reference DRN-3695754
28 Oct 2022 Bank of Ireland (UK) Plc UpheldConsumer CreditDRN-3695754 The complaint Mr S complains about a loan granted to him by Bank of Ireland (UK) Plc (“BOI”). He says that BOI shouldn’t have agreed to the loan because it was unaffordable for him. Mr S has brought his complaint to us via a representative but for simplicity I will refer to hi... (4 pages)View decision -
Decision Reference DRN0062445
21 Dec 2018 Harvey & Thompson Limited Not upheldBanking and creditMr A complains that the loans he had from Harvey & Thompson Limited were unaffordable and caused him to get into a debt spiral.backgroundMr A had four loans from Harvey and Thompson between April 2014 and June 2017 as follows:Loan Date AmountRepaymentsFrequency DueP... (3 pages)View decision -
Decision Reference DRN-2425424
13 Jul 2021 TFS Loans Limited UpheldConsumer CreditDRN-2425424 The complaint Mr C says TFS Loans Limited lent to him irresponsibly. What happened Mr C took out two guarantor loans from TFS as summarised below. He used funds from loan 2 to repay loan 1 and I understand there is an outstanding balance on loan 2. Loan date value, £ term, mont... (4 pages)View decision