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-5097728
15 Nov 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5097728 The complaint Miss L has complained that NewDay Ltd acted irresponsibly when it approved her application for a credit card and then subsequently increased the card’s limit multiple times. Background Miss L applied for a credit card with NewDay in September 2017. Her applicat... (3 pages)View decision -
Decision Reference DRN-3446607
6 May 2022 Indigo Michael Limited UpheldConsumer CreditDRN-3446607 The complaint Mr G (through a representative) has complained that Indigo Michael Limited (trading as Safety Net Credit (SNC)) provided him with a credit facility he couldn’t afford to repay. What happened Mr G approached SNC for a Safety Net facility in March 2018. This was a r... (4 pages)View decision -
Decision Reference DRN-5488218
16 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5488218 The complaint Miss B complains NewDay trading as Aqua (NewDay) failed to undertake sufficient financial checks before approving two credit card accounts for her in 2019 and 2021. What happened Miss B says NewDay approved a credit card account (card1) for her in July 2019 wit... (4 pages)View decision -
Decision Reference DRN-4060795
25 Apr 2023 Studio Retail Limited Not upheldConsumer CreditDRN-4060795 The complaint Miss T has complained that Studio Retail Limited, trading as Studio, lent to her irresponsibly. What happened Miss T opened a shopping account with Studio Retail in December 2020. Her account limit was initially set at £500. Her credit limit was increased once in ... (3 pages)View decision -
Decision Reference DRN-5650028
30 Sep 2025 Zempler Bank Limited Not upheldBanking and PaymentsDRN-5650028 The complaint Mr S complains that Zempler Bank Limited (Zempler) was irresponsible in granting him, and allowing him to retain, a personal current account overdraft facility, as it was unaffordable for him. What happened Mr S has held a personal current account with Zempler... (4 pages)View decision -
Decision Reference DRN-2232826
5 Jan 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2232826 The complaint Mr F complains that the loan he had from Loans 2 Go Limited was unaffordable to him. What happened Mr F took out a fixed sum loan with Loans 2 Go on 30 March 2019. He borrowed £400 and was due to repay £91.42 monthly for 18 months, finishing on 30 September 2020. ... (4 pages)View decision -
Decision Reference DRN-2497316
11 Jan 2022 UK Credit Limited Not upheldConsumer CreditDRN-2497316 The complaint Mr S complains UK Credit Limited didn’t complete reasonable and proportionate checks when approving him for two guarantor loans. What happened Mr S was approved for two guarantor loans with UK Credit: Date of loan Capital Amount Term Monthly repayments (approx.) T... (5 pages)View decision -
Decision Reference DRN7168601
26 Feb 2018 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr P complains about the loans he took out with Curo Transatlantic Limited trading as Wage Day Advance. Mr P says he repeatedly borrowed large amounts. This ought to have placed Wage Day on notice he was a poor candidate for credit and prompt it to carry out furth... (6 pages)View decision -
Decision Reference DRN4348576
11 Dec 2018 Casheuronet UK LLC UpheldBanking and creditMr B complains that the loans approved by CashEuroNet UK LLC (CEN), trading as QuickQuid, were unaffordable and showed that CEN was irresponsible in its lending decisions.backgroundI attach my first and second provisional decisions dated 12 September 2018 and 15 November... (10 pages)View decision -
Decision Reference DRN9584983
13 Aug 2018 Instant Cash Loans Limited Not upheldBanking and creditMr S complains that Instant Cash Loans Limited, trading as Payday UK, approved loans he applied for which were unaffordable and it was irresponsible of Payday UK to do that. backgroundMr S applied for and was approved for several loans and I set out three of them h... (5 pages)View decision