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-6053892
6 Jan 2026 Zopa Bank Limited Not upheldConsumer CreditDRN-6053892 The complaint Mr B says Zopa Bank Limited irresponsibly lent to him. What happened Mr B took out a loan for £1,000 over 24 months on 10 September 2025. The monthly repayments were £56.52 and the total repayable was £1,356.48. Mr B says Zopa’s lending decision was irresponsib... (3 pages)View decision -
Decision Reference DRN-6013352
10 Feb 2026 Bank of Scotland Plc UpheldBanking and PaymentsDRN-6013352 The complaint Miss E complains that Bank of Scotland plc trading as Halifax (Halifax) acted irresponsibly in granting her a personal current account overdraft, and in increasing its limit, as it was unaffordable for her. Miss E also complains that Halifax failed to support h... (4 pages)View decision -
Decision Reference DRN7723591
29 Mar 2018 Gain Credit LLC UpheldBanking and creditMiss M complains that Gain Credit LLC (trading as Lending Stream) was irresponsible to lend her money.backgroundMiss M had 14 instalment loans from Lending Stream between June 2013 and May 2014 as follows:Loan IDDate AmountTermRepaid Notes 1159319116-Jun-13£2706 months26-No... (3 pages)View decision -
Decision Reference DRN-5621034
13 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5621034 The complaint Mr B complains that NewDay Ltd irresponsibly lent to him. What happened Mr B was approved for an NewDay credit card (which I will refer to as A in this decision), in March 2021 with a credit limit of £450. The credit limit was increased to £1,450 in July 2022. ... (6 pages)View decision -
Decision Reference DRN-3972215
23 Jun 2023 Go Car Credit Limited Not upheldConsumer CreditDRN-3972215 The complaint Mr P complains that Go Car Credit Limited (“Go Car”) lent to him irresponsibly through a hire purchase agreement to acquire a car. What happened Mr P acquired a car through a hire purchase agreement with Go Car in late 2021. In June 2022 he contacted Go Car to com... (4 pages)View decision -
Decision Reference DRN-3372802
31 Mar 2022 Apfin Ltd Not upheldConsumer CreditDRN-3372802 The complaint Mr U complained about an instalment loan he took out with APFIN LTD trading as cashasap.co.uk. What happened cashasap.co.uk provided a loan to Mr U as follows: Date Taken Loan status Monthly instalments Loan Amount Highest Monthly Repayment 1/6/2021 outstanding 6 ... (4 pages)View decision -
Decision Reference DRN-1945030
10 Jul 2020 PDL Finance Limited UpheldConsumer CreditDRN-1945030 The complaintMiss J complains that PDL Finance Limited (trading as ‘Mr Lender’) acted irresponsibly when lending to her. What happenedBetween July 2018 and March 2019 Mr Lender provided Miss J with four loans. Here’s a table setting out details of those loans:LoanDate Taken Da... (4 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 DRN7724081
6 Jun 2018 WDFC UK Limited UpheldBanking and creditMr G complains that WDFC UK Limited (Wonga) was irresponsible giving him loans.backgroundMr G took 50 loans between December 2011 and October 2015. Some had ‘top-up’ advances added to them. Wonga provided details of the lending and I used it to create a table of loa... (10 pages)View decision -
Decision Reference DRN2202720
18 Feb 2021 Carcashpoint Limited UpheldBanking and creditComplaint Mr H complains that CarCashPoint Limited (trading as “CarCashPoint”) unfairly provided him with two logbook loans. He says he was offered loans he couldn’t afford. Mr H has since complained that CarCashPoint exercised a lack of forbearance when he ran into difficulties making his... (2 pages)View decision