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 19738 results
-
Decision Reference DRN-5599257
12 Jun 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5599257 The complaint Miss F argues Bank of Scotland plc (trading as Halifax) treated her unfairly in relation to how it paid her redress following an irresponsible lending complaint. What happened In June 2018 Miss F was given an overdraft and following this, two subsequent limit i... (3 pages)View decision -
Decision Reference DRN5469319
23 Jul 2019 NewDay Ltd UpheldBanking and creditMiss M complains that NewDay Ltd (“ND”) trading as Aqua engaged in irresponsible lending to her.backgroundMiss M says in June 2014 she received her credit card from ND with a credit limit of £250. And she says the credit limit was increased to £550 in November 2014, £1,250 in May 2015, £2,... (5 pages)View decision -
Decision Reference DRN-1192695
8 Jun 2020 Avantcredit Of Uk, Llc Not upheldConsumer CreditDRN-1192695 The complaintMrs D took out a loan with AvantCredit of UK, LLC (AvantCredit) around July 2016. Mrs D thinks this was irresponsible lending on behalf of AvantCredit. As resolution to this complaint she wants a refund of all the interest she’s been charged on the loan. What happe... (2 pages)View decision -
Decision Reference DRN-4226343
4 Jul 2023 Lantern Debt Recovery Services Ltd UpheldConsumer CreditDRN-4226343 The complaint Miss B complains that Lantern Debt Recovery Services Ltd trading as Lantern (Lantern) are pursuing her for debts brought about by irresponsible lending. What happened Miss B had multiple short-term loans from three businesses that for the purpose of this decision ... (3 pages)View decision -
Decision Reference DRN-5495054
29 Apr 2025 Admiral Financial Services Limited Not upheldConsumer CreditDRN-5495054 The complaint Mr S complains Admiral Financial Services Limited trading as Admiral (“Admiral”) haven’t provided him with full and proper redress after an irresponsible lending complaint. What happened In February 2023, Admiral provided Mr S with a loan for £3,500. In Novemb... (3 pages)View decision -
Decision Reference DRN2529553
19 Oct 2017 WDFC UK Limited Not upheldBanking and creditMr H complains that WDFC UK Limited (trading as wonga.com) gave him payday loans without checking that they were affordable. He’s also unhappy that his loans affected his credit file. He wants a refund of the interest he paid and the loans removed from his credit fi... (2 pages)View decision -
Decision Reference DRN-4582094
26 Jan 2024 PayPal (Europe) Sarl et Cie SCA UpheldBanking and PaymentsDRN-4582094 The complaint Mr W complains that PayPal (Europe) Sarl et Cie SCA (“PayPal”) failed to properly consider how his mental health and financial difficulties has affected his ability to repay the balance of his account. What happened Mr W holds a running account credit facility wit... (2 pages)View decision -
Decision Reference DRN-2752218
6 Aug 2021 Gain Credit LLC Not upheldConsumer CreditDRN-2752218 The complaint Mr T says Gain Credit LLC trading as Lending Stream hasn’t administered a refund of interest and charges correctly. Mr T would like this paid to him directly rather than it being used to reduce his outstanding balance. What happened Mr T borrowed four instalment l... (2 pages)View decision -
Decision Reference DRN-2714912
12 Apr 2021 Next Retail Limited UpheldConsumer CreditDRN-2714912 The complaint Ms A says Next Retail Limited irresponsibly lent to her when it increased the credit limit on her NextPay account in September 2017. What happened Ms A opened a NextPay account in 2006. She previously brought a complaint to this service about irresponsible lending... (3 pages)View decision -
Decision Reference DRN-4710269
22 Apr 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4710269 The complaint Mr D complains that although Barclays Bank UK PLC trading as Barclaycard upheld his complaint about irresponsible lending it has said information about his account will remain on his credit file until the outstanding balance has been fully repaid. What happened Mr... (2 pages)View decision
1 of 1974
Next
