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 17876 results
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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-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-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 -
Decision Reference DRN-4463997
6 Feb 2024 East End Fair Finance Limited Not upheldConsumer CreditDRN-4463997 The complaint Miss N says East End Fair Finance Limited, trading as Fair Finance, irresponsibly lent to her. What happened Miss N took out a 12-month loan for £800 on 27 February 2023. The monthly repayments were £105.14. Miss N cancelled her direct debit on 22 March 2023 and o... (2 pages)View decision -
Decision Reference DRN-2735086
30 Jun 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2735086 The complaint Miss A complains Barclays Bank UK PLC (“Barclaycard”) irresponsibly lent to her when it increased the credit limit on a credit card. She also complains that Barclaycard hasn’t calculated redress fairly following a review. What happened Miss A raised a complaint ab... (2 pages)View decision -
Decision Reference DRN-4588170
27 Mar 2024 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-4588170 The complaint Mr T complains that Lantern Debt Recovery Services Ltd (Lantern) haven’t investigated his complaint about irresponsible lending of a loan and harassment to repay it, from the original lender. What happened Mr T held a loan with a lender, which I’ll refer to as Com... (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-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 DRN-3699580
27 Oct 2022 Lendable Ltd UpheldConsumer CreditDRN-3699580 The complaint Mr J complains that Lendable Ltd lent to him irresponsibly What happened Using information from Lendable Ltd, here is a summary of Mr J’s loan. It remains outstanding. Loan Date taken Amount Term Monthly repayment 1 15/04/2021 £1,000 24 months £51.92 Mr J complain... (3 pages)View decision
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