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 5520 results
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Decision Reference DRN-3306209
11 Feb 2022 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-3306209 The complaint Mr L complains that Moneybarn No. 1 Limited irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. Mr L is represented by a family member but for ease of reference I have referred to Mr L throughout this decision. What happened In Apri... (3 pages)View decision -
Decision Reference DRN-4904119
26 Jul 2024 Plata Finance Limited Not upheldConsumer CreditDRN-4904119 Complaint Mr M has complained about a personal loan Plata Finance Limited (“Plata”) provided to him. He says the loan was unaffordable and shouldn’t have been provided to him as this ought to have been apparent from his credit history. Background Plata initially provided Mr... (3 pages)View decision -
Decision Reference DRN-4156808
12 Jun 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4156808 The complaint Miss O complains that Barclays Bank UK PLC trading as Barclaycard (Barclays) irresponsibly issued a credit card to her, which she couldn’t afford the repayments on. What happened In November 2017 Miss O successfully applied for a credit card with Barclays. The ini... (3 pages)View decision -
Decision Reference DRN-5735277
5 Aug 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5735277 The complaint Mr N complains that Barclays Bank UK PLC (“Barclays”) unfairly lodged a fraud marker against him. What happened Mr N’s Barclays account received a payment for £3,582.06. Mr N transferred £576.06 of the funds to another of his own accounts and then withdrew the ... (3 pages)View decision -
Decision Reference DRN-4388699
13 Dec 2023 Penny Post Credit Union Limited Not upheldConsumer CreditDRN-4388699 The complaint Mr C says Penny Post Credit Union Limited irresponsibly lent to him. What happened Mr C took out a loan for £3,000 over 60 months from Penny Post on 29 March 2021. The monthly repayments were £83.37 and the total repayable was £5,012.78. Mr C says he was £20,000 i... (3 pages)View decision -
Decision Reference DRN8700351
11 Apr 2018 Casheuronet UK LLC UpheldBanking and creditMr W complains that CashEuroNet UK LLC (trading as QuickQuid) gave him loans which he couldn’t afford.backgroundMr W took 45 loans from December 2011 to February 2017. Most were repayable within a month or by Mr W’s next payday. Some repayment periods were longer th... (10 pages)View decision -
Decision Reference DRN-4536638
3 Jan 2024 Chetwood Financial Limited Not upheldConsumer CreditDRN-4536638 The complaint Mr B complains that Chetwood Financial Limited trading as Live Lend (‘Live Lend’) irresponsibly gave him two loans that he couldn’t afford. What happened On 21 May 2019, Mr B asked for and was given a loan for £1,000 which had a term of 12 months and a monthly rep... (3 pages)View decision -
Decision Reference DRN-5270295
11 Jul 2025 The Co-operative Bank Plc Not upheldBanking and PaymentsDRN-5270295 The complaint Mr L complains about the way in which The Co-operative Bank Plc handled a chargeback claim in respect of payments made to an online bookmaker. What happened Mr L had an account with an online bookmaker, which I’ll call “B”. In March and April 2024 he made nine ... (3 pages)View decision -
Decision Reference DRN2210471
10 Sep 2019 NewDay Ltd UpheldBanking and creditComplaintMr S’s complaint is about NewDay Ltd – trading as Aqua (NewDay). He says it was irresponsible in allowing him to have the credit limit increases on his credit card. BackgroundMr S took out his NewDay card in May 2014. At that time he was given had a £100 credit limit. The followin... (6 pages)View decision -
Decision Reference DRN-5102395
8 May 2025 Chetwood Financial Limited Not upheldConsumer CreditDRN-5102395 The complaint Miss C has complained that Chetwood Financial Limited trading as Better Borrow (“Better Borrow”) didn’t conduct appropriate affordability checks before it lent to her. What happened Miss C was granted one loan by Better Borrow in September 2022 of £10,000 to b... (6 pages)View decision