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-5411949
23 Apr 2025 Sainsbury's Bank Plc Not upheldBanking and PaymentsDRN-5411949 The complaint Mr M complains that Sainsbury’s Bank Plc irresponsibly lent to him. What happened Mr M was approved for a Sainsbury’s credit card with an £11,000 credit limit in January 2021. Mr M says this was irresponsibly lent to him. Mr M made a complaint to Sainsbury’s. S... (2 pages)View decision -
Decision Reference DRN-1975148
17 Feb 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-1975148 The complaint Mr M complains that NewDay Ltd trading as Marbles Card irresponsibly allowed him to open a credit card account that was unaffordable. What happened Mr M says he opened the Marbles account in 2015 and at that time was in significant debt. He says that ought to have... (2 pages)View decision -
Decision Reference DRN7624851
14 Nov 2017 WDFC UK Limited UpheldBanking and creditMr C complains that WDFC UK Limited (trading as Wonga) acted irresponsibly when it lent him money he couldn’t afford to pay back. He wants Wonga to compensate him for the stress this caused him.backgroundMr C took out 24 loans with Wonga between 2014 and 2016. Some ... (2 pages)View decision -
Decision Reference DRN3018625
13 Mar 2018 Gain Credit LLC UpheldBanking and creditMr B complains that Gain Credit LLC (trading as Lending Stream) lent him money he couldn’t afford to repay.backgroundMr B took out seven instalment loans between October 2015 and August 2017. He says Lending Stream shouldn’t have agreed to lend as he was carrying ... (4 pages)View decision -
Decision Reference DRN-2749624
14 Apr 2021 Progressive Money Limited UpheldConsumer CreditDRN-2749624 The complaint Miss G says Progressive Money Limited (PML) lent irresponsibly to her. What happened Miss G borrowed £6,000 from PML on 31 March 2016. She repaid the loan in April 2018. The monthly repayment was £327.71 and the total repayable was £11,797.60. Miss G says the loan... (4 pages)View decision -
Decision Reference DRN-2025700
26 Jul 2020 Stagemount Limited UpheldConsumer CreditDRN-2025700 The complaintMr B complains that Stagemount Limited trading as ‘Quid Market’ acted irresponsibly when lending to him. What happenedIn October and November 2019 Quid Market provided Mr B with loans, each due to be repaid by instalments over a number of months. In the event, Mr ... (4 pages)View decision -
Decision Reference DRN-5155438
5 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5155438 The complaint Mr H complains that Vanquis Bank Limited was irresponsible in its lending to him. He wants all interest, fees and charges refunded plus statutory interest and any adverse information removed from his credit file. Mr H is represented by a third party but for eas... (3 pages)View decision -
Decision Reference DRN3504806
27 Oct 2017 Amigo Loans Ltd Not upheldBanking and creditMiss P complains that Amigo Loans Ltd mis-sold her eight loans she could not afford, and then refused to agree a repayment plan with her once she told it she could not afford to make the contractual repayments.backgroundMiss P took out eight loans with Amigo Loan... (3 pages)View decision -
Decision Reference DRN-4441283
18 Dec 2023 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4441283 The complaint Mr W complains that Lloyds Bank Plc refuses to refund money he lost to an investment scam. What happened From December 2021 to February 2023, Mr W made debit card payments totalling £13,748.03 to a cryptocurrency exchange account I’ll call ‘B’ (this was an account... (4 pages)View decision -
Decision Reference DRN-5721204
29 Jul 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5721204 The complaint Mr P complains that Zopa Bank Limited irresponsibly agreed a loan for him. What happened Zopa agreed a loan of £2,000 for Mr P in late May 2021. The total amount owed was £2,260.21, to be repaid at £188.35 a month over 12 months. Mr P met his repayments and th... (3 pages)View decision