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 4777 results
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Decision Reference DRN-5236140
10 Jan 2025 Gain Credit LLC Not upheldConsumer CreditDRN-5236140 The complaint Mr F complaints that Gain Credit LLC trading as Drafty (“Drafty”) gave him a line of credit without carrying out the appropriate affordability checks. Had further checks been made such as reviewing his bank statements, Mr F says Drafty wouldn’t have lent to him... (4 pages)View decision -
Decision Reference DRN3558684
27 Jun 2017 MEM Consumer Finance Limited UpheldBanking and creditMr M complains that MEM Consumer Finance Limited (trading as Payday UK) were irresponsible to lend money to him.backgroundMr M took out eleven loans with Payday UK between 2012 and 2014. He says that at the time of taking the loans, he was struggling with personal an... (3 pages)View decision -
Decision Reference DRN-4011425
13 Mar 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4011425 The complaint Mr H complains that Barclays Bank UK PLC gave him three credit card accounts that were unaffordable. What happened Mr H took out three credit cards between 1999 and 2004. The cards were closed between 2004 and 2014. In 2021, he complained to Barclays that they sho... (3 pages)View decision -
Decision Reference DRN-5630221
23 Jun 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5630221 The complaint Mr P complains that Capital One (Europe) plc lent irresponsibly when it approved his credit card application. What happened Mr P applied for a Capital One credit card in June 2022. In his application, Mr P said he was employed with an annual income of £35,000.... (3 pages)View decision -
Decision Reference DRN-4028223
12 Apr 2023 Retail Money Market Ltd Not upheldConsumer CreditDRN-4028223 The complaint Mr S complains that Retail Money Market Ltd trading as RateSetter irresponsibly gave him a peer-to-peer loan he couldn’t afford to repay. What happened In May 2018, Mr S applied for a peer-to-peer loan with RateSetter. His application was approved, and he was give... (3 pages)View decision -
Decision Reference DRN-3550332
14 Dec 2022 Hargreaves Lansdown Asset Management Limited Not upheldPensions and AnnuitiesDRN-3550332 The complaint Mr K says Hargreaves Lansdown Asset Management Limited (trading as Hargreaves Lansdown (‘HL’)) caused him financial losses by restricting his access to (and trading in) his HL Self-Invested Personal Pension (‘SIPP’). He says HL did this without his consent/authori... (4 pages)View decision -
Decision Reference DRN-5181613
3 Dec 2024 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-5181613 Complaint Miss F complains that Specialist Motor Finance Limited (“SMF”) unfairly entered into a hire- purchase agreement with her. She’s said the monthly payments to the agreement were unaffordable and so she shouldn’t have been accepted for it. Background In July 2022, S... (5 pages)View decision -
Decision Reference DRN-4473664
23 Nov 2023 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-4473664 The complaint Miss W is complaining about Moneybarn No.1 Limited (Moneybarn). She says they shouldn’t have lent to her as the loan was unaffordable. Miss M’s complaint was brought to our service by a representative but for ease I’ve written as if we’ve dealt directly with her.... (4 pages)View decision -
Decision Reference DRN-4381172
3 Oct 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4381172 The complaint Miss M has complained that Barclays Bank UK PLC, trading as Barclaycard (“Barclays”), irresponsibly granted her a credit card account, and subsequently increased her credit limit, which she couldn’t afford to repay. What happened Miss M took out a credit card with... (4 pages)View decision -
Decision Reference DRN-3874882
6 Feb 2023 Commsave Credit Union Limited UpheldConsumer CreditDRN-3874882 The complaint Mr W complains that Commsave Credit Union (“Commsave”) lent to him irresponsibly. What happened Mr W took out a series of loans with Commsave from January 2015 to October 2021. Some of these were regular unsecured loans, others were revolving credit arrangements w... (4 pages)View decision
