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
-
Decision Reference DRN5529858
8 May 2017 Uncle Buck Finance LLP Not upheldBanking and creditMr O complains Uncle Buck Finance LLP lent him money he couldn’t afford to repay.backgroundMr O took out five loans with Uncle Buck, of which four were instalment loans.date takenamountinstalmentshighest monthly paymentDate repaid19 April 2015£2500n/a30 April 20154 M... (3 pages)View decision -
Decision Reference DRN-5220200
6 Jan 2025 Lloyds Bank PLC Not upheldConsumer CreditDRN-5220200 The complaint Mr W says Lloyds Bank PLC irresponsibly lent to him. What happened Mr W took out a loan for £5,300 over 84 months on 14 July 2016. The monthly repayments were £68.38 and the APR was 9.6%. The loan was given to enable Mr W to repay his overdraft with Lloyds as t... (2 pages)View decision -
Decision Reference DRN-4791124
10 May 2024 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-4791124 The complaint Mr S complains that Moneybarn No. 1 Limited, trading as Moneybarn (‘Moneybarn’), irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In September 2020, Mr S acquired a used car financed by a conditional sa... (3 pages)View decision -
Decision Reference DRN-2913463
21 Sep 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2913463 The complaint Mr B complains Barclays Bank UK Plc trading as Barclaycard (Barclaycard) acted irresponsibly when increasing his credit card limit. What happened Mr B was accepted for a Barclaycard credit card in 2015, his agreed credit limit was £2,500. In January 2017, followin... (4 pages)View decision -
Decision Reference DRN6203369
17 Jun 2015 Barclays Bank Plc Not upheldBanking and creditMiss C complains Barclays Bank Plc is holding her liable for transactions totalling £740 that she did not carry out or authorise.backgroundMiss C has an account with Barclays with a debit card.Miss C says she noticed transactions on gambling websites that she did not rec... (1 page)View decision -
Decision Reference DRN-5094181
22 Oct 2024 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-5094181 The complaint Mr C has complained that Tesco Personal Finance PLC trading as Tesco Bank acted irresponsibly when it provided him with a credit card in 2017. The limit of the card was increased twice in 2018 and 2019, Mr C has said that all lending decisions made by Tesco in ... (3 pages)View decision -
Decision Reference DRN-6002186
9 Dec 2025 UK Mortgage Lending Ltd Not upheldMortgagesDRN-6002186 The complaint Mrs L’s complaint is about a second charge mortgage she and the late Mr L had with UK Mortgage Lending Ltd trading as Pepper Money. She thinks: • the decision to lend to them was irresponsible as she doesn’t think proportionate checks were done, the mortgage wa... (5 pages)View decision -
Decision Reference DRN-5295553
14 Apr 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5295553 The complaint Miss D complains that Barclays Bank UK PLC trading as Barclaycard lent to her irresponsibly. What happened On 6 November 2016, Miss D opened a Barclaycard account as follows: Date Event Credit limit 6 November 2016 Opening limit £3,400 26 June 2017 Credit Limi... (4 pages)View decision -
Decision Reference DRN-4355317
12 Oct 2023 Bank of Scotland Plc Not upheldConsumer CreditDRN-4355317 The complaint Miss M complains that Bank of Scotland plc (“Bank of Scotland”) lent to her irresponsibly when it provided her with a number of loans that she says she couldn’t afford. What happened Miss M took out five unsecured loans with Bank of Scotland during the period Octo... (3 pages)View decision -
Decision Reference DRN-4725347
16 May 2024 Santander UK Plc UpheldConsumer CreditDRN-4725347 The complaint Mr L complains that Santander UK Plc approved two loans for him in 2021 irresponsibly. What happened Mr L took two loans from Santander. He was an existing current and savings account customer at the time. Loan 1 was in June 2021, for £2,500 to be repaid over 48 m... (6 pages)View decision