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 5443 results
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Decision Reference DRN-3658213
19 Aug 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3658213 The complaint Mr R complains that Barclays Bank UK PLC, trading as Barclaycard (“Barclaycard”), irresponsibly granted him a credit card he couldn’t afford to repay. What happened In February 2017 Mr R entered into an agreement with Barclaycard to have access to credit by way of... (2 pages)View decision -
Decision Reference DRN-4100660
4 May 2023 MBNA Limited Not upheldBanking and PaymentsDRN-4100660 The complaint Mr N complains that MBNA Limited lent irresponsibly when it approved his credit card application. What happened In September 2019 Mr N applied for a credit card and associated balance transfer with MBNA. In his application Mr N said his income was around £31,000 a... (2 pages)View decision -
Decision Reference DRN-2475321
1 Nov 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2475321 The complaint Mr K complains that Loans2Go Limited irresponsibly lent to him. What happened The details of this complaint are well known to both parties, so I won’t repeat them all again here. In summary Loans2Go lent Mr K one loan in November 2019, the loan was for £1,000 and ... (2 pages)View decision -
Decision Reference DRN2444191
22 Nov 2016 MEM Consumer Finance Limited UpheldBanking and creditMr S has complained MEM Consumer Finance Limited, trading as Payday UK, didn’t check whether he could afford the loans he took out with them between 2010 and 2012.backgroundIn September 2010 Mr S took out a loan for £300 with Payday UK. Over the next eighteen months... (2 pages)View decision -
Decision Reference DRN6574499
14 Mar 2017 Clydesdale Bank Plc Not upheldBanking and creditMr S complains that Clydesdale Bank Plc didn’t tell him his wife had been transferring and withdrawing large amounts of money from their joint savings account. He said if he had been contacted he may have been able prevent some of these transactions. backgroundMr S and... (2 pages)View decision -
Decision Reference DRN6291616
3 Nov 2017 Instant Cash Loans Limited UpheldBanking and creditMr A complains that Instant Cash Loans Limited (trading as Payday UK) gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges and removes information about the loans from his credit file.backgroundMr A took out five loans between Mar... (2 pages)View decision -
Decision Reference DRN3291640
28 Dec 2016 Express Finance (Bromley) Limited UpheldBanking and creditMr B complains that Express Finance (Bromley) Limited (trading as Payday Express) didn’t carry out proper affordability checks and irresponsibly granted him unaffordable payday loans. He wants the charges and interest refunded and his credit file amended.backgroundPayday ... (2 pages)View decision -
Decision Reference DRN2290103
13 Feb 2019 Stagemount Limited Not upheldBanking and creditMr W complains that Stagemount Limited, trading as Quid Market, gave him loans he couldn’t afford to repay.backgroundMr W took out the following loans with Quid Market:date£ amount borroweddate repaid12 May 201422530 May 201421 June 201430030 June 201433 July 201430031 Ju... (2 pages)View decision -
Decision Reference DRN-4027300
25 Oct 2023 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4027300 The complaint Mr D has complained Tesco Personal Finance PLC, trading as Tesco Bank, has lodged a fraud-related marker on the industry fraud database, CIFAS, which has inconvenienced him. What happened In 2019 Mr D amended his direct debit with Tesco Bank so that the full amoun... (2 pages)View decision -
Decision Reference DRN-5171003
18 Mar 2025 Loans 2 Go Limited Not upheldConsumer CreditDRN-5171003 The complaint Mrs M complains that Loans 2 Go Limited trading as Loans 2 Go irresponsibly lent her four personal loans. She also complains that the interest it charged took advantage of her vulnerability. She said she was in financial difficulty when she took out the loans a... (4 pages)View decision