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 77331 results
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Decision Reference DRN-3198236
9 Dec 2021 UK Credit Limited UpheldConsumer CreditDRN-3198236 The complaint Mr K complains that UK Credit Limited lent to him irresponsibly without doing sufficient affordability checks or properly assessing signs of over indebtedness. What happened Mr K was given a single loan by UK Credit. Mr K told UK Credit that he would use the loan ... (5 pages)View decision -
Decision Reference DRN8908263
26 Jan 2015 MBNA Limited Not upheldBanking and creditMr W complains that MBNA Limited unfairly pressurised him to enter into two repayment plans in 2008. He also thinks it isn’t fair that the bank continues to report adverse information to the credit reference agencies about his accounts.backgroundMr W had financial difficulties in 2008.... (3 pages)View decision -
Decision Reference DRN-4900062
6 Sep 2024 Experian Limited Not upheldConsumer CreditDRN-4900062 The complaint Mr L complains about negative information recorded on his credit file with Experian Limited. What happened A business I’ll refer to as P is recording a default on Mr L’s credit file in relation to a closed credit card. The original debt came about by way of a ... (2 pages)View decision -
Decision Reference DRN-3380861
21 Jun 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3380861 The complaint Ms F complains about AvantCredit of UK, LCC (“AC”) and their decision to provide her with a high-interest loan which she was unable to afford. What happened In February 2017, Ms F applied for a high-interest loan with AC. This application was approved, and Ms F wa... (4 pages)View decision -
Decision Reference DRN-4405247
7 Nov 2023 Barclays Bank UK PLC Not upheldConsumer CreditDRN-4405247 The complaint Mr C complains that Barclays Bank UK PLC irresponsibly agreed two loans for him. What happened Barclays agreed two loans for Mr C in 2018. He had previously borrowed from Barclays in 2017 but hasn’t complained about those loans. I’ve summarised some of the availab... (3 pages)View decision -
Decision Reference DRN-3551101
20 Jun 2022 TM Advances Limited UpheldConsumer CreditDRN-3551101 The complaint Mr B complains that three loans he took out with TM Advances Ltd were unaffordable and should not have been provided. What happened Mr B has a professional representative in bringing this complaint, but for clarity I’ll refer to their representations as his own. M... (4 pages)View decision -
Decision Reference DRN2053280
29 Jun 2016 TSB Bank plc Not upheldBanking and creditMr S complains that TSB Bank plc unfairly put late payment markers on his credit file, both when he had a payment agreement and when he was disputing the debt with this service. He wants the bank to remove the late markers. backgroundOn 5 June 2014, Mr S switched hi... (2 pages)View decision -
Decision Reference DRN-6050640
23 Feb 2026 MBNA Limited Not upheldBanking and PaymentsDRN-6050640 The complaint The complaint MBNA Limited provided Ms B with a credit card in 2019, with a credit limit of £4,400. Ms B says the credit was provided irresponsibly. What happened MBNA reviewed Ms B’s complaint and upheld it. It agreed with Ms B that it shouldn’t have provided ... (2 pages)View decision -
Decision Reference DRN-5098265
2 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5098265 Complaint Mr A has complained about credit cards and the associated credit limit increases which NewDay Ltd (“NewDay”) provided to him. He says the credit cards as well as the limit increases were irresponsibly provided. Background NewDay provided Mr A with two credit cards... (6 pages)View decision -
Decision Reference DRN7018193
26 Sep 2018 Casheuronet UK LLC Not upheldBanking and creditMs S says CashEuroNet UK LLC (“CEN”), trading as QuickQuid and Pounds2Pocket, lent to her irresponsibly. Ms S is represented by a claims management company (“CMC”).background Ms S had four loans with CEN. I’ve set out some of the details the business provided about t... (3 pages)View decision