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-6105744
29 Jan 2026 Fairscore Ltd UpheldConsumer CreditDRN-6105744 The complaint Mr K says Fairscore Ltd, trading as Updraft, irresponsibly lent to him. What happened Mr K took out two loans from Updraft. The first, on 14 August 2023, was for £8,000 over 25 months with monthly repayments of £435.33. The second, on 17 April 2024, was for £17... (3 pages)View decision -
Decision Reference DRN1551924
17 Jan 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr Y complains that Express Finance (Bromley) Limited (trading as Payday Express) shouldn’t have provided him with loans which he says were unaffordable.backgroundMr Y complained to Payday Express about the loans he’d been provided with. It issued a final response to M... (4 pages)View decision -
Decision Reference DRN5276149
22 Apr 2021 Avantcredit Of Uk, Llc UpheldBanking and creditMr L complained that AvantCredit of UK, Llc (trading as Avantcredit) acted irresponsibly when it agreed to lend to him. background Mr L took out a two loans with Avantcredit. This table shows loan details: Loan Date Taken Date Repaid Number of instalments Amount Monthly repayment* (approxi... (7 pages)View decision -
Decision Reference DRN6576541
29 Jun 2018 Casheuronet UK LLC UpheldBanking and creditMr H complains about the loans he took out with Casheuronet UK LLC trading as QuickQuid. He says that he had difficulty meeting the repayments to his loans due to his poor financial situation. And he says the loans made his situation worse. He feels that if Casheu... (6 pages)View decision -
Decision Reference DRN-5658006
15 Sep 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5658006 Complaint Mr M has complained about a credit card HSBC UK Bank Plc (“HSBC”) provided to him. He says that the credit card was unaffordable for him and caused him ongoing financial difficulty. Background In January 2017, HSBC provided Mr M with a credit card which had a cred... (4 pages)View decision -
Decision Reference DRN-5878552
6 Nov 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5878552 The complaint Mr F complains that Lloyds Bank PLC irresponsibly granted him an overdraft, and continued to provide it year on year, which he couldn’t afford to repay. What happened Mr F applied for a bank account with Lloyds in November 2019 and requested an overdraft with ... (4 pages)View decision -
Decision Reference DRN9558634
13 Apr 2016 Vanquis Bank Limited Not upheldBanking and creditMr W complains that Vanquis Bank Limited should refund his disputed transactions and remove the default from his credit file.BackgroundMr W complained about disputed transactions to a gambling website. He said that these transactions took him over his credit limit and... (2 pages)View decision -
Decision Reference DRN-3654212
10 Oct 2022 Lendable Ltd Not upheldBanking and PaymentsDRN-3654212 The complaint Mrs T says Lendable Ltd irresponsibly lent to her. What happened Mrs T’s complaint is about a credit card supplied by Lendable. The account was opened in February 2022 with an initial credit limit of £200. Mrs T complains that Lendable irresponsibly lent to her. O... (2 pages)View decision -
Decision Reference DRN-6007820
10 Dec 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-6007820 The complaint Mr D complains that the Bank of Scotland plc trading as Halifax (“Halifax”) irresponsibly provided him with a credit card with a £4,500 limit which he couldn’t afford. For ease of reference, I’ve referred to Mr D when referring to both him and his representati... (2 pages)View decision -
Decision Reference DRN3868765
14 Feb 2019 CURO TRANSATLANTIC LIMITED Not upheldBanking and creditMr P complains about five short term loans that he took out with Curo TransatlanticLimited, trading as WageDay Advance, (“WDA”). He said that WDA shouldn’t have given himthe loans as they were unaffordable. The complaint is brought to this service by a claims man... (4 pages)View decision