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-5079948
17 Oct 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5079948 The complaint Mr B, through a representative, says Vanquis Bank Limited irresponsibly lent to him. What happened Mr B took out a credit card from Vanquis on 20 July 2016. He was given a credit limit of £250. This was increased to £750 in February 2017, to £1,750 in October 2... (3 pages)View decision -
Decision Reference DRN2074639
17 Mar 2020 Harvey & Thompson Limited UpheldBanking and creditMr J complains that Harvey and Thompson Limited (‘H&T’) lent irresponsibly to him. backgroundOn 25 July 2017, Mr J borrowed £500 from H&T. Before it agreed to lend that amount, H&T asked Mr J to provide information about his income and expenditure. It also undertook a credit ch... (3 pages)View decision -
Decision Reference DRN-4507745
3 Apr 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4507745 The complaint Ms R, via a third party, complains that Moneybarn No. 1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with her. She says that due to her personal and financial circumstances at the relevant time the agreement was unaffordable. What happe... (3 pages)View decision -
Decision Reference DRN1892642
6 Mar 2018 MYJAR Limited Not upheldBanking and creditMr M complains that MYJAR Limited gave him a loan that was unaffordable.backgroundThe background to this complaint was set out in a provisional decision I issued in January 2018. An extract from this is attached and forms part of this final decision, so I will not repea... (3 pages)View decision -
Decision Reference DRN9890941
20 Nov 2017 Elevate Credit International Limited Not upheldBanking and creditMr M complains that Elevate Credit International Limited, trading as Sunny, gave him loans he couldn’t afford to repay.background Mr M took out the following loans with Sunny: date £ amount borrowed£ amount to be repaid/repayment period /£ weekly repayment (rounded) date ... (3 pages)View decision -
Decision Reference DRN4666214
22 Nov 2019 Indigo Michael Limited UpheldBanking and creditMr M has complained that Indigo Michael Limited (trading as Safety Net Credit (SNC)) didn’t carry out sufficient affordability checks before granting him a Safety Net facility. Mr M also says, had SNC carried out sufficient checks, it would’ve seen that he couldn’t afford it. backgroundMr ... (5 pages)View decision -
Decision Reference DRN-5537813
8 May 2025 Mitsubishi HC Capital UK Plc UpheldConsumer CreditDRN-5537813 The complaint Mr F complains that Mitsubishi HC Capital UK PLC trading as Novuna Personal Finance (“Novuna”) lent to him in an irresponsible manner. What happened I issued a provisional decision on this complaint last month. In that decision I explained why I thought part of... (5 pages)View decision -
Decision Reference DRN-4644039
14 Mar 2024 Evergreen Finance London Limited UpheldConsumer CreditDRN-4644039 The complaint Mr B complains through a representative that Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) provided him with loans without carrying out sufficient affordability checks. What happened A summary of Mr B’s borrowing can be found below. loa... (5 pages)View decision -
Decision Reference DRN2348074
30 May 2018 Metro Bank PLC UpheldBanking and creditMr L feels that Metro Bank Plc (“Metro”) has treated him unfairly in relation to an £800 payment he made on his credit card to a binary options company.backgroundMr L accepts he made a payment of £800 on his credit card to a binary options company in order to trad... (3 pages)View decision -
Decision Reference DRN-4319391
16 Oct 2023 National Westminster Bank Plc Not upheldConsumer CreditDRN-4319391 The complaint Mr C complains that National Westminster Bank Plc (‘NatWest’) irresponsibly gave him two loans that he couldn’t afford. What happened On 10 September 2021 Mr C asked for and was given a loan for £5,000 which had a term of 24 months. The purpose of the loan was to ... (3 pages)View decision
