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-3777278
1 Nov 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3777278 The complaint Mr A complains that Vanquis Bank Limited (‘Vanquis’) irresponsibly gave him a credit card account that he couldn’t afford. What happened On 20 February 2019, Mr A applied for and was given a credit card account with Vanquis. Mr A was given an initial credit limit ... (2 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 DRN2056473
20 Mar 2020 Western Circle Limited Not upheldBanking and creditMr M’s complaint is about how Western Circle Ltd, trading as Cashfloat, attempted to collect a debt.backgroundOne of my ombudsman colleagues has already decided that another aspect of Mr M’s complaint, alleged irresponsible lending, was referred to this service too late for us to consider.... (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-3974402
20 Feb 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3974402 The complaint Mr J complains that NewDay Ltd should not have agreed his credit card applications or increased his credit limit as the lending was both unaffordable and irresponsible. What happened Mr J is represented in this complaint. However, for the sake of simplicity in thi... (4 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 DRN-3563787
28 Jun 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3563787 The complaint Mr F, through a representative, says Madison CF UK Limited, trading as 118 118 Money, irresponsibly lent to him. What happened This complaint is about a 24-month instalment loan for £2,000 that 118 118 Money provided to Mr F on 6 April 2016. The monthly repayments... (2 pages)View decision -
Decision Reference DRN4895175
14 Apr 2016 MEM Consumer Finance Limited UpheldBanking and creditMr M complains that MEM Consumer Finance Limited (trading as Payday UK) lent him money irresponsibly and shouldn’t have recorded a default on his credit file. backgroundThe background to this complaint and my provisional findings are set out in my provisional decision... (4 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 DRN0013284
24 May 2018 MYJAR Limited Not upheldBanking and creditMr B complains that MYJAR Limited (MYJAR) gave him a loan he couldn’t afford to repay.backgroundMr B had one loan from MYJAR in May 2017. It was for £275 and due to be repaid in six instalments, the highest of which was about £85. Mr B told MYJAR he was having... (2 pages)View decision