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
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Decision Reference DRN-3053398
27 Sep 2021 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3053398 The complaint Mr M has complained that Bank of Scotland plc (trading as Halifax) irresponsibly increased his overdraft limit. He says that Halifax ought to have realised that he had a gambling problem, and that he would therefore struggle to repay the overdraft. What happened M... (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-4195614
19 Jul 2023 Ls Claims Ltd UpheldClaims ManagementDRN-4195614 The complaint Mrs T complains that Ls Claims Ltd trading as Ingram Toft (Ingram Toft) failed to pursue an unaffordable/irresponsible lending claim on her behalf after it was rejected by her lender. What happened In May 2021 Mrs T said she instructed Ingram Toft to act on her be... (3 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 DRN7844673
17 Apr 2019 Barclays Bank UK PLC Not upheldBanking and creditMrs G complains that Barclays Bank UK Plc increased the limits on her two credit cards in 2013. She believes it was irresponsible lending. backgroundcredit card account ending in 4Mrs G opened this credit card account in 2009. The limit increased in October 2013 from... (2 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 -
Decision Reference DRN-4765626
6 Nov 2024 Lowell Financial Ltd Not upheldConsumer CreditDRN-4765626 The complaint Mr P complains that Lowell Financial Ltd (Lowell) are incorrectly reporting a default on his credit file after it agreed to a medical write off of his account. What happened Mr P had a credit card account with a company I’ll call A for the purposes of this deci... (2 pages)View decision -
Decision Reference DRN2052498
27 Mar 2020 Provident Personal Credit Limited UpheldBanking and creditMr G complains that Provident Personal Credit Limited was irresponsible when it provided three loans to him between 2006 and 2010.backgroundMr G took three home collected credit loans with Provident between November 2006 and November 2010. This means that a Provident agent attended at Mr G... (3 pages)View decision
