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 21091 results
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Decision Reference DRN-6004252
9 Dec 2025 Lantern Debt Recovery Services Limited Not upheldConsumer CreditDRN-6004252 The complaint Miss M complains Lantern Debt Recovery Services Limited have treated her unfairly when she’s contacted them regarding a debt. What happened As I understand it, Lantern bought two accounts in Miss M’s name – one for a company I’ll refer to as M, and another I’ll... (6 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 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 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 -
Decision Reference DRN0952462
11 Nov 2016 Rooftop Mortgages Limited Not upheldBanking and creditMr and Mrs F complained that they’d been mis-sold their mortgage with Rooftop Mortgages Limited.backgroundMr and Mrs F took out a mortgage with Rooftop in early 2006. They were sold the mortgage by a broker from an organisation which I’ll call A. The mortgage offer ... (2 pages)View decision -
Decision Reference DRN-2097791
26 Feb 2021 Evolution Lending Limited Not upheldMortgagesDRN-2097791 The complaint Miss M complains that Evolution Lending Limited shouldn’t have lent her money secured by a further charge on her property. Miss M would like Evolution to refund the interest she paid and remove any adverse credit information it registered. What happened Miss M too... (2 pages)View decision -
Decision Reference DRN4003908
25 Jun 2019 Black Horse Limited Not upheldBanking and creditMr H complains on behalf of Ms H, a friend, of irresponsible lending by Black Horse Limited (trading as Landrover Financial Services (LRFS)) leading to negative information on Ms H’s credit file. Ms H would like the negative data removed. And compensation to cover legal fees and the stress... (6 pages)View decision -
Decision Reference DRN7513208
5 Jun 2015 WDFC UK Limited UpheldBanking and creditMr V complains that WDFC UK Limited (the business) has recorded incorrect information on his credit file. This complaint has also been investigated in regard to irresponsible lending by the business.backgroundMr V says that he looked at this credit report before app... (2 pages)View decision -
Decision Reference DRN-4760540
24 Apr 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4760540 The complaint Mrs T says Vanquis Bank Limited irresponsibly lent to her. What happened Mrs T applied for a credit card from Vanquis in August 2023. Her application was accepted and Vanquis gave her a £1,200 credit limit. Mrs T says Vanquis did not complete sufficient checks. It... (3 pages)View decision -
Decision Reference DRN6055776
24 Feb 2016 Casheuronet UK LLC Not upheldBanking and creditMr H complains that Casheuronet UK LLC (trading as Quick Quid) sent him marketing material to apply for another loan after he had complained about irresponsible lending.backgroundMr H explains that he made a complaint about irresponsible lending. As soon as that complaint... (2 pages)View decision