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 5478 results
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Decision Reference DRN2065170
12 Jan 2017 WDFC UK Limited UpheldBanking and creditMr L complains that WDFC UK Limited gave him loans he couldn’t afford to repay. He asks that Wonga refunds interest and charges, with statutory interest, writes off the outstanding debt and removes the loans from his credit file.backgroundMr L took out three loans ... (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 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 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 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-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 -
Decision Reference DRN-5793475
7 Oct 2025 Shop Direct Finance Company Limited UpheldConsumer CreditDRN-5793475 Complaint Mr B has complained that Shop Direct Finance Company Limited (“Shop Direct”) irresponsibly provided him with a catalogue shopping accounts and limit increase. He’s said that that this caused financial difficulty and resulted in him having to take out a lot of other... (6 pages)View decision -
Decision Reference DRN-2979008
8 Sep 2021 Bank of Scotland Plc UpheldBanking and PaymentsDRN-2979008 The complaint Mr M has complained that Bank of Scotland plc (“BOS”) trading as Halifax continued charging him excessive amounts for his overdraft when he was in financial difficulty. What happened Mr M has complained about unaffordable lending relating to overdraft increases. H... (2 pages)View decision -
Decision Reference DRN-3369300
26 Apr 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3369300 Complaint Ms H is unhappy that Barclays Bank UK PLC hasn’t refunded multiple transactions from her account that she says were fraudulent. Background In June 2020, Ms H received three substantial payments from the Department for Work and Pensions. The total value of those three ... (2 pages)View decision