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
-
Decision Reference DRN-4055523
13 Apr 2023 Everyday Lending Limited Not upheldConsumer CreditDRN-4055523 Complaint Mr E has complained about a loan Everyday Lending Limited (trading as “Everyday Loans”) provided to him. He says the loan was unaffordable and shouldn’t have been provided. Background Everyday Loans provided Mr E with a loan for £2,000.00 in June 2019. This loan was d... (2 pages)View decision -
Decision Reference DRN-4087530
26 Apr 2023 Everyday Lending Limited Not upheldConsumer CreditDRN-4087530 Complaint Mr N has complained about a loan Everyday Lending Limited (trading as “Everyday Loans”) provided to him. He says the loan was unaffordable and shouldn’t have been provided to him. Background Everyday Loans provided Mr N with a loan for £1,000.00 in July 2021. This loa... (2 pages)View decision -
Decision Reference DRN-4037981
5 Apr 2023 Lloyds Bank PLC Not upheldConsumer CreditDRN-4037981 The complaint Mr L complains that Lloyds Bank PLC lent to him irresponsibly. What happened Mr L complains about a loan for £15,000 advanced by Lloyds in September 2019. The loan was repayable by 59 monthly repayments of £406.09. Mr L complained that the lending was irresponsibl... (2 pages)View decision -
Decision Reference DRN-3726711
4 Oct 2022 Volkswagen Financial Services (UK) Limited Not upheldConsumer CreditDRN-3726711 The complaint Miss O complains that Volkswagen Financial Services (UK) Limited irresponsibly granted her a hire purchase agreement she couldn’t afford to repay. What happened In February 2020, Miss O acquired a used car financed by a hire purchase agreement from VWFS. Miss O wa... (2 pages)View decision -
Decision Reference DRN-5667173
29 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5667173 The complaint Mr N complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application. What happened Mr N applied for an Aqua credit card in February 2020. In his application, Mr N said he was earning £23,000 a year that Aqua calculate... (2 pages)View decision -
Decision Reference DRN-2506031
3 Feb 2021 S.D. Taylor Limited Not upheldConsumer CreditDRN-2506031 The complaint Mr W says S.D. Taylor Limited trading as Loans at Home (LaH) irresponsibly lent to him. He says he had a lot of problems with other credit when he took the loan from LaH. He thinks it should have spotted this and not lent to him. He also says that LaH didn’t prope... (2 pages)View decision -
Decision Reference DRN-4213723
4 Oct 2023 Nationwide Building Society Not upheldBanking and PaymentsDRN-4213723 The complaint Miss W has complained that Nationwide Building Society (“Nationwide”) irresponsibly lent to her when it provided her with an overdraft facility. What happened Miss W applied for an overdraft facility on her current account in August 2018. She was initially provide... (2 pages)View decision -
Decision Reference DRN-4370050
11 Oct 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4370050 The complaint Mr W says Barclays Bank UK PLC, trading as Barclaycard, irresponsibly lent to him. What happened Barclaycard provided Mr W with a credit card with a limit of £400 in February 2022. The account was a credit builder card and the limit could not be increased in the f... (2 pages)View decision -
Decision Reference DRN-4227609
16 Oct 2023 Studio Retail Limited Not upheldConsumer CreditDRN-4227609 The complaint Miss V has complained that Studio Retail Limited (“Studio”) irresponsibly lent to her when it provided her with a shopping account. What happened Miss V applied for a shopping account in December 2020. She was initially provided with a £125 credit facility. In Fe... (2 pages)View decision -
Decision Reference DRN-3672082
5 Oct 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3672082 The complaint Miss E says Barclays Bank UK PLC trading as Barclaycard irresponsibly lent to her. What happened Miss E’s complaint is about a credit card account provided by Barclays. The account was opened in September 2021. Miss E was given an initial credit limit of £800. Mis... (2 pages)View decision