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 4619 results
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Decision Reference DRN-3479363
14 May 2022 UK Credit Limited Not upheldConsumer CreditDRN-3479363 The complaint Mr S complains that UK Credit Limited (“UK Credit”) lent to him in an irresponsible manner. What happened Mr S was given a guarantor loan by UK Credit in August 2015. He borrowed £4000 and agreed to repay this over 48 months. Mr S has repaid this loan. I issued a ... (3 pages)View decision -
Decision Reference DRN-4936134
31 Jul 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4936134 Complaint Miss S has complained about a personal loan Zopa Bank Limited (“Zopa”) which she says it unfairly lent to her. She says that she was heavily in debt to other creditors and sufficient checks would have shown that her financial situation was not right for further len... (3 pages)View decision -
Decision Reference DRN1426573
7 Sep 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr H complains that Express Finance (Bromley) Limited (trading as Payday Express) gave him loans that he couldn’t afford to pay back. backgroundMr H borrowed a total of six times from Payday UK between August 2012 and July 2014. Loan numberdate takenamount borrowed de... (3 pages)View decision -
Decision Reference DRN-4532285
15 May 2024 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-4532285 The complaint Mr W has complained that Clydesdale Bank PLC, trading as Virgin Money (“Clydesdale”), irresponsibly lent to him. What happened Mr W opened a credit card account with Clydesdale in September 2017 with an initial credit limit of £2,700. His credit limit was never in... (3 pages)View decision -
Decision Reference DRN7446169
26 Jan 2021 Bank of Scotland Plc UpheldBanking and creditComplaint Miss A complains, in summary, that Bank of Scotland plc did not help her recover all the money she paid to a binary options trading platform using her Bank of Scotland Mastercard credit card. Background After seeing a well-known celebrity advertising a company, T Ltd, offering bi... (3 pages)View decision -
Decision Reference DRN-2784400
17 Jun 2021 Ferratum UK Ltd Not upheldConsumer CreditDRN-2784400 The complaint Mr G complains that Ferratum UK Ltd was irresponsible in its lending to him. What happened Mr G was provided with one loan by Ferratum in October 2018. The loan was for £200 with just under £250 repayable the following month. Mr G says that at the time of the loan... (3 pages)View decision -
Decision Reference DRN-4051099
21 Jun 2023 FUND OURSELVES LIMITED Not upheldConsumer CreditDRN-4051099 The complaint Mr D complins that FUND OURSELVES LIMITED trading as Fund Ourselves provided him with a loan he couldn’t afford to repay. What happened Fund Ourselves advanced Mr D a loan on 9 August 2020. The loan amount was £200, with an arrangement fee of £100, to be repaid in... (3 pages)View decision -
Decision Reference DRN-5250985
17 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5250985 The complaint Mr L, through a representative, says Vanquis Bank Limited irresponsibly lent to him. What happened Mr L took out a credit card from Vanquis on 7 October 2019. He was given a £1,000 credit limit. This was subsequently reduced to £450 and then increased to £900 o... (3 pages)View decision -
Decision Reference DRN-4576166
23 Apr 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-4576166 The complaint Mr C has complained that Creation Consumer Finance Ltd (“Creation”) acted irresponsibly when it provided him with a £2,500 loan in April 2021. Background Mr C applied for a £2,500 loan over 30 months with Creation in April 2021. He has said that at the time he alr... (3 pages)View decision -
Decision Reference DRN0719803
15 Dec 2015 Capital One (Europe) plc Not upheldBanking and creditMr N complains that Capital One (Europe) plc will not refund payments he says he did not make with his credit card.backgroundThere were 15 payments made to the same merchant during a four hour period on 10 August 2015. These totalled £1,000. Mr N said he had the ... (2 pages)View decision
