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 5162 results
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Decision Reference DRN-4800955
16 May 2024 Gain Credit LLC UpheldConsumer CreditDRN-4800955 The complaint Mr O complains that Gain Credit LLC trading as Lending Stream (“Lending Stream”) failed to conduct proportionate affordability checks before it lent to him. What happened A summary of Mr O’s borrowing can be found in the table below. loan number loan amount agreem... (5 pages)View decision -
Decision Reference DRN-3879758
13 Jan 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3879758 The complaint Mr S has complained that NewDay Ltd trading as Aqua irresponsibly lent to him. What happened Mr S opened a credit card account with NewDay (trading as Aqua) in April 2018. His credit limit was £250. The limit was never increased. Mr S suggests that NewDay shouldn... (2 pages)View decision -
Decision Reference DRN-2850587
29 Mar 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2850587 The complaint Mr C complains Barclays Bank UK PLC (trading as Barclaycard) gave him a second credit card even though he had a credit card with them already and was struggling financially. What happened Mr C had a credit card with Barclaycard which he says he used in full. In Ma... (3 pages)View decision -
Decision Reference DRN-5155545
5 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5155545 The complaint Mr B complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application. What happened Mr B applied for a credit card with Vanquis in January 2020. In his application, Mr B said he was employed with an income of £40,234 a year.... (2 pages)View decision -
Decision Reference DRN8031719
13 Mar 2018 Uncle Buck Finance LLP Not upheldBanking and creditMr M complains that Uncle Buck Finance LLP lent him money he couldn’t afford to repay.backgroundMr M took out five loans with Uncle Buck as follows: date applied for loanamountinstalmentsmonthly instalment amountRepayment dateFebruary 2015£200 3 £97April 2015April 2015£345... (3 pages)View decision -
Decision Reference DRN0366375
17 Jan 2020 Uncle Buck Finance LLP Not upheldBanking and creditMr A’s complained about two high-cost short-term credit instalment loans he took out with Uncle Buck Finance LLP (trading as “Uncle Buck”). He says Uncle Buck shouldn’t have lent to him as he was already in a substantial amount of debt.backgroundOne of our adjudicators reviewed what Mr A a... (2 pages)View decision -
Decision Reference DRN-2936671
21 Jul 2021 Evergreen Finance London Limited UpheldConsumer CreditDRN-2936671 The complaint Ms B complained that Evergreen Finance London Limited trading as MoneyBoat.co.uk acted irresponsibly when it gave her unaffordable loans. What happened Ms B took out two MoneyBoat loans as follows: Loan Date Taken Date Repaid Instalments Loan Amount Highest Monthl... (5 pages)View decision -
Decision Reference DRN-3274748
9 Feb 2022 MBNA Limited UpheldBanking and PaymentsDRN-3274748 The complaint Ms M complained that MBNA Limited lent irresponsibly when providing her with a credit card account. What happened Ms M applied online for an MBNA credit card in August 2006. Her application showed she was earning £9,268 a year before tax. MBNA provided the card wi... (5 pages)View decision -
Decision Reference DRN8890783
8 Jun 2018 Provident Personal Credit Limited UpheldBanking and creditMr S complains that Provident Personal Credit Limited (trading as Satsuma Loans) gave him loans that he couldn’t afford to repay.backgroundThe background to this complaint was set out in the provisional decision that I issued on 27 April 2018. An extract from this is atta... (6 pages)View decision -
Decision Reference DRN-5544905
8 May 2025 HSBC UK Bank Plc Not upheldConsumer CreditDRN-5544905 The complaint X complains HSBC UK Bank Plc (“HSBC”) lent three loans to them irresponsibly between 2006 and 2008. What happened In July 2006, X was provided with a flexi-loan for £2,000. Then in May 2007 a loan for £5,000 was provided – around £4,500 was used to consolidate... (5 pages)View decision
