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 21385 results
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Decision Reference DRN-3502385
14 Jun 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3502385 The complaint Ms G complains that Vanquis Bank Limited (“Vanquis”) lent to her irresponsibly. What happened Ms G applied for a credit card with Vanquis in November 2016. She was accepted and given a credit limit of £250. Her credit limit was increased in January 2018 to £1,000.... (2 pages)View decision -
Decision Reference DRN-3073246
8 Oct 2021 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3073246 The complaint Mr M complains that Lloyds Bank PLC was irresponsible in its lending to him. What happened Mr M was issued with a credit card by Lloyds with a credit limit of £3,200. He says at the time his credit file would have shown he had several other credit cards all at the... (2 pages)View decision -
Decision Reference DRN-2840063
9 Jun 2021 Evergreen Finance London Limited Not upheldConsumer CreditDRN-2840063 The complaint Miss F says Evergreen Finance London Limited trading as Moneyboat lent to her irresponsibly. She says the loans caused her financial hardship and she had to borrow each month to make the repayments to them. What happened This complaint is about three loans Moneybo... (3 pages)View decision -
Decision Reference DRN-4617336
27 Feb 2024 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-4617336 The complaint Mr F says Capital One (Europe) plc irresponsibly lent to him. What happened Mr F opened a credit card account with Capital One in January 2017. The initial limit was £500 and this was increased to £750 in August 2017. He says that the credit was not affordable for... (2 pages)View decision -
Decision Reference DRN5925035
17 Sep 2015 Express Finance (Bromley) Limited UpheldBanking and creditMs F has complained Express Finance (Bromley) Limited, trading as Payday Express, lent her money regularly without checking properly she could afford to repay them.backgroundFrom August 2012 until March 2013 Ms F took out loans with Payday Express. She borrowed a to... (2 pages)View decision -
Decision Reference DRN5165079
11 Sep 2014 Barclays Bank Plc UpheldBanking and creditMrs F complains that Barclays Bank Plc acted irresponsibly in agreeing loans that she could not later afford to pay.background In September 2009, Mrs F applied for a loan of £5,000, which was approved by Barclays. In January 2010, Mrs F took out a further loan, which consolidated the ... (2 pages)View decision -
Decision Reference DRN-4096055
4 May 2023 Lendable Ltd Not upheldBanking and PaymentsDRN-4096055 The complaint Miss P complains that Lendable Ltd trading as Zable lent to her irresponsibly. What happened Miss P’s complaint is about a credit card supplied by Lendable. The account was opened in October 2021 with a credit limit of £200. The credit limit was increased to £500 ... (2 pages)View decision -
Decision Reference DRN-6147048
11 Feb 2026 HSBC UK Bank Plc Not upheldConsumer CreditDRN-6147048 The complaint HSBC UK Bank Plc (‘HSBC’) provided Mr W with a personal loan in June 2022. The loan was for £7,000 and was to be repaid by way of 50 monthly repayments of £150.20. Mr W says the loan was provided irresponsibly. What happened The details of this complaint are ... (2 pages)View decision -
Decision Reference DRN-3645348
22 Sep 2022 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-3645348 The complaint Ms C complains that Shop Direct Finance Company Limited (“SD”), trading as very, provided her with credit she couldn’t afford to repay. What happened Ms C was approved for a mail order account in June 2016 and in November 2016 that was converted into a credit acco... (2 pages)View decision -
Decision Reference DRN-3728495
10 Oct 2022 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-3728495 The complaint Mr B complains that Moneybarn No. 1 Limited irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In December 2020, Mr B acquired a used car financed by a conditional sale agreement from Moneybarn. Mr B paid a £13 deposi... (2 pages)View decision