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-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-5270356
3 Feb 2025 MBNA Limited Not upheldBanking and PaymentsDRN-5270356 Complaint Mr D has complained about a credit card MBNA Limited (“MBNA”) provided to him. He says that the credit card and the subsequent limit increases were unaffordable for him and they caused him ongoing financial difficulty as he had to borrow further in order to make hi... (5 pages)View decision -
Decision Reference DRN-5307937
28 Mar 2025 Western Circle Ltd UpheldConsumer CreditDRN-5307937 The complaint Mrs B complains that Western Circle Ltd, trading as Cashfloat, lent to her irresponsibly. What happened Mrs B took one loan from Western Circle on 3 October 2021 for £600 plus interest to be repaid over four instalments of just under £234 each month. The total... (4 pages)View decision -
Decision Reference DRN2376702
29 Oct 2018 Barclays Bank Plc Not upheldBanking and creditMr M has complained that Barclays Bank Plc (trading as Barclaycard) increased his credit limit in 2015 and again in 2016. He thinks Barclays were irresponsible in their lending as he was only making minimum payments and he couldn’t repay his balance within a reason... (2 pages)View decision -
Decision Reference DRN2210494
25 Apr 2016 Elevate Credit International Limited Not upheldBanking and creditMr G complains that Elevate Credit International Limited didn’t properly consider his financial circumstances and lent him money that he couldn’t afford to pay back.backgroundMr G explains that he took out a loan with Elevate Credit in September 2015. He says that pro... (2 pages)View decision -
Decision Reference DRN-5349222
10 Mar 2025 Tesco Personal Finance Limited Not upheldBanking and PaymentsDRN-5349222 Complaint Mr M has complained about credit cards Tesco Personal Finance Limited (trading as “Tesco Bank”) provided to him. He says that the credit cards and limit increase were unaffordable for him and they caused him ongoing financial difficulty and placed him in a relentle... (5 pages)View decision -
Decision Reference DRN-3980670
3 Apr 2023 Startline Motor Finance Limited Not upheldConsumer CreditDRN-3980670 The complaint Miss C complains that Startline Motor Finance Limited (SMFL) irresponsibly granted her a hire purchase agreement she couldn’t afford to repay. What happened In May 2015, Miss C acquired a used car financed by a hire purchase agreement from SMFL. Miss C paid a £100... (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-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-3675713
30 Sep 2022 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-3675713 The complaint Miss F complains that Creation Consumer Finance Ltd (“Creation”), irresponsibly granted her a credit account with Currys. What happened In September 2020 Miss F entered into a credit agreement with Currys. She was given a credit limit facility of £4,000 on her acc... (2 pages)View decision