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 5125 results
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Decision Reference DRN2749754
5 Feb 2019 Wageme.Com Limited UpheldBanking and creditMr E complains that WAGEME.COM LTD (“WCL”), gave him loans that he couldn’t afford to repay.backgroundMr E took 6 loans from WCL between June 2015 and September 2015 as follows:-Loan numberDate of LoanLoan repayment (including initial interest amount) Date repaid1.3/6/2015£... (5 pages)View decision -
Decision Reference DRN-4800963
23 May 2024 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-4800963 The complaint Mrs K has complained that Tesco Personal Finance PLC trading as Tesco Bank (“Tesco”) didn’t ask for evidence of her income and expenditure before it lent to her, and had it done so, Tesco would’ve discovered the loan was unaffordable for her. What happened Mrs K w... (4 pages)View decision -
Decision Reference DRN-4541802
25 Jan 2024 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4541802 The complaint Mr M complains Tesco Personal Finance PLC trading as Tesco Bank irresponsibly provided him with unaffordable credit limit increases on his credit card. What happened Mr M was provided with the following credit limits on his credit card with Tesco Bank: Lending dec... (4 pages)View decision -
Decision Reference DRN-3124514
6 Dec 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-3124514 The complaint Mr R complained that Loans 2 Go Limited lent to him irresponsibly and provided him with loans that were unaffordable. What happened Loans 2 Go provided loans to Mr R as follows: Date taken Amount Term Monthly repayment Date repaid 6 August 2019 £500 18 months £114... (5 pages)View decision -
Decision Reference DRN-4950382
21 Aug 2024 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-4950382 Complaint Mr H has complained that Creation Consumer Finance Ltd (“Creation”) irresponsibly provided him with an unaffordable credit account. He’s said that the credit account he was given was not affordable. Background Mr H was provided with a credit account, with a credit... (3 pages)View decision -
Decision Reference DRN-4932525
7 Aug 2024 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4932525 The complaint Mr H complains that Tesco Personal Finance PLC, trading as Tesco Bank, irresponsibly provided him with a credit card account he couldn’t afford. What happened In May 2021 Tesco opened a credit card account for Mr H. The credit limit was set at £6,800. In 2024,... (3 pages)View decision -
Decision Reference DRN-5706272
21 Oct 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5706272 The complaint Mr L complains HSBC UK Bank Plc closed his current account unfairly and they refuse to tell him why. What happened Mr L held a basic current account with HSBC. Following a review, HSBC decided to close the account with immediate effect in June 2023. Mr L raised... (3 pages)View decision -
Decision Reference DRN-4338227
2 Oct 2023 Match the Cash Limited Not upheldConsumer CreditDRN-4338227 Complaint Mr L has complained that Match the Cash Limited (“Match the Cash”) trading as www.gurantorloan.co.uk unfairly brought about an unaffordable guarantor loan for him. He says proper affordability checks weren’t carried out and if they had been it would have been clear th... (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
