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 DRN-4169063
21 Jun 2023 Metro Bank PLC Not upheldConsumer CreditDRN-4169063 The complaint Ms A complains that Metro Bank PLC trading as RateSetter (RS) lent to her irresponsibly. What happened In August 2022 Ms A applied for a loan with RS. RS approved the application and gave Ms A a loan for £4000 repayable over 48 months with a monthly repayment of £... (2 pages)View decision -
Decision Reference DRN5734171
23 Jun 2017 Instant Cash Loans Limited UpheldBanking and creditMr W complains that MEM Consumer Finance Limited (trading as Payday UK) was irresponsible to lend to him. He asks for compensation.backgroundMr W took out two loans with Payday UK, in April 2012 and January 2013. Mr W says he was sold these loans when he had a severe ... (2 pages)View decision -
Decision Reference DRN-4152810
9 Jun 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4152810 The complaint Mr M complains that NewDay Ltd trading as Marbles was irresponsible in its lending to him. He wants the default removed from his credit file and a refund of the interest charged on his account. What happened Mr M was provided with a credit card account by NewDay i... (2 pages)View decision -
Decision Reference DRN-2921544
1 Sep 2021 Capital One (Europe) plc UpheldBanking and PaymentsDRN-2921544 The complaint Mr P complains that Capital One (Europe) plc irresponsibly increased his credit limit, and later defaulted his account. What happened In 2009 Mr P entered a regulated credit card agreement with Capital One. His credit limit was increased five times, and Mr P seeks... (2 pages)View decision -
Decision Reference DRN9002306
27 Oct 2017 MYJAR Limited Not upheldBanking and creditMr S complains about an instalment loan he took out with Myjar Limited (Myjar). He says this loan shouldn’t have been given because he was reliant on short term credit and the loan has pushed him further into debt. backgroundMr S had one instalment loan for £600 ... (2 pages)View decision -
Decision Reference DRN0635903
17 Mar 2018 Vanquis Bank Limited Not upheldBanking and creditMr G complains that Vanquis Bank Limited (“Vanquis”) acted irresponsibly when it allowed him a credit card which was unaffordable and then increased his limit. He would like Vanquis to refund all interest and late payment charges on the account and clear related adv... (2 pages)View decision -
Decision Reference DRN8128763
28 Sep 2016 PDL Finance Limited Not upheldBanking and creditMs B complains that PDL Finance Limited (trading as Mr Lender) gave her unaffordable instalment loans.background Ms B says that, at the time she took the loans with Mr Lender, she was already in financial difficulty and then had to borrow more money to repay the loa... (2 pages)View decision -
Decision Reference DRN8434659
24 Aug 2016 Lending Stream Limited Not upheldBanking and creditMr V complains that Lending Stream Limited gave him unaffordable instalment loans. He wants a refund of the interest and charges he paid.backgroundMr V had seven instalment loans from Lending Stream between 2012 and 2014. Lending Stream said it checked that the loans we... (2 pages)View decision -
Decision Reference DRN-3525846
25 Aug 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3525846 The complaint Mr N complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted him credit that he couldn’t afford to repay. What happened NewDay approved a credit card application for Mr N in December 2020. The credit limit was set at £900 and was increased to ... (2 pages)View decision -
Decision Reference DRN-4605109
27 Mar 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4605109 The complaint Mr L has complained Lloyds Bank Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened In 2023 Mr L was told by Lloyds that they were closing his account. They also lodged a fraud-related marker on his record with CIFAS... (2 pages)View decision
