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 DRN6918894
16 Mar 2020 Avantcredit Of Uk, Llc Not upheldBanking and creditMr G says AvantCredit of UK, LLC (AvantCredit) acted unfairly when it lent him money in 2015.backgroundIn September 2015, AvantCredit lent Mr G £2,000, which Mr G agreed to repay, with interest, over 35 months. The monthly instalment was £116.95, so if Mr G made all the payments on time he... (2 pages)View decision -
Decision Reference DRN-5213951
16 Dec 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5213951 The complaint Mr T has complained that Moneybarn No. 1 Limited acted irresponsibly when it provided him with a finance agreement in March 2022. Background Mr T approved for a finance agreement with Moneybarn in March 2022. The agreement was for £15,000 over 60 months and Mr ... (3 pages)View decision -
Decision Reference DRN-2946140
28 Jul 2021 Capital One (Europe) plc UpheldBanking and PaymentsDRN-2946140 The complaint Ms J complains that lending made to her by Capital One (Europe) plc was irresponsible. What happened Ms J said that she took out two cards with Capital One which had high credit limits. She said that when Capital One agreed to lend her this money, late 2015 and e... (3 pages)View decision -
Decision Reference DRN-4675100
17 Jun 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4675100 The complaint Mrs H complains that Barclays Bank UK PLC trading as Barclaycard acted unfairly by failing to set up a payment plan for a credit card account she held with it when she was experiencing financial difficulties. What happened Mrs H has held a credit card account with... (3 pages)View decision -
Decision Reference DRN3232287
27 Jun 2018 PDL Finance Limited Not upheldBanking and creditMr L complains that PDL Finance Limited (PDL) lent money to him but its decision was irresponsible. And the third party’s method of recovering the money owed has been ‘unfair and unsuitable’.background PDL approved one loan to Mr L for £450 on 4 June 2013. The ... (3 pages)View decision -
Decision Reference DRN2083940
19 Jun 2017 Santander UK Plc Not upheldBanking and creditMr R complains Santander UK Plc acted irresponsibly when it allowed him to take two loans and allowed him steadily to increase his overdraft when he already had several pay day loans, a gambling addiction and other debts. backgroundMr R had a gambling addiction and dur... (2 pages)View decision -
Decision Reference DRN-3590512
12 Jul 2022 Oplo PL Ltd UpheldConsumer CreditDRN-3590512 The complaint Miss S complains that Oplo PL Ltd lent her money on a high cost loan irresponsibly, such that she couldn’t afford to repay it. What happened Oplo provided Miss S with a loan of £3,000 on 28 January 2015 repayable at the rate of around £127 a month over a period of... (3 pages)View decision -
Decision Reference DRN7415605
27 Mar 2020 Provident Personal Credit Limited UpheldBanking and creditMs C complains that Provident Personal Credit Limited was irresponsible when it provided her with 18 loans between June 2006 and December 2014.backgroundThe 18 loans Provident provided to Ms C were home-collected loans. This meant that a Provident agent engaged with Ms C at her home during... (6 pages)View decision -
Decision Reference DRN4079431
16 Dec 2014 Hanif Automotive Limited Not upheldBanking and creditMiss T has complained that Hanif Automotive Limited, trading as WLMG Nissan, misled her about the finance agreement she took out to enable her partner to purchase a car.backgroundMiss T, with her partner, were viewing cars. As her partner was unable to get any credit, she took out a cond... (2 pages)View decision -
Decision Reference DRN-5496986
28 Apr 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5496986 Complaint Mr M has complained about credit cards Capital One (Europe) plc (“Capital One”) provided to him. He says that the credit cards and the subsequent limit increases shouldn’t have been provided as they were unaffordable for him and this caused the lending relationship... (7 pages)View decision
