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 19711 results
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Decision Reference DRN7910599
21 Aug 2015 Wave Lending Limited Not upheldBanking and creditMr V complains that Wave Lending Limited mis-sold a mortgage to him.backgroundMr V says that Wave mis-sold a buy-to-let mortgage to him and had irresponsible lending policies. He says it is common practice for lenders to consider the projected rental income in co... (3 pages)View decision -
Decision Reference DRN-5514777
12 Aug 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5514777 The complaint Miss O complains that National Westminster Bank Public Limited Company (NatWest) irresponsibly lent to her. What happened Miss O was approved for a NatWest credit card in August 2024 with a £1,900 credit limit. Miss O says she already had a credit card with ano... (2 pages)View decision -
Decision Reference DRN7231183
16 Jun 2016 Lending Stream Llc UpheldBanking and creditMiss J complains that Lending Stream Llc didn’t carry out proper affordability checks and irresponsibly granted her unaffordable short term loans. She wants the balance written off, charges and interest refunded, compensation and her credit file amended.backgroundLendin... (2 pages)View decision -
Decision Reference DRN-3989164
4 Jul 2023 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-3989164 The complaint Mrs G complains that Lantern Debt Recovery Services Ltd (Lantern) purchased her debt of a loan from the administrators of the loan company, when it was still in dispute, and are pursuing recovery of the debt. What happened Mrs G took out a loan with a loan company... (2 pages)View decision -
Decision Reference DRN-3910428
26 Jan 2023 TM Advances Limited Not upheldConsumer CreditDRN-3910428 The complaint Mr C complains TM Advances Limited irresponsibly lent to him. He says TM Advances did not give him sufficient information prior to the loan being agreed, and that TM Advances interest charges are excessive. He also complains about other customer service issues. Wh... (4 pages)View decision -
Decision Reference DRN7709711
4 Jul 2014 NRAM plc Not upheldBanking and creditMiss A and Mr B have complained about irresponsible lending by NRAM plc when it granted them a mortgage in 2007. The complaint has been conducted by Mr B on behalf of himself and Miss A.backgroundIn August 2007 Miss A and Mr B took out a ‘Together’ mortgage with NRAM. Against a purchase ... (2 pages)View decision -
Decision Reference DRN-1034275
7 May 2020 PayPal Europe Sarl & Cie, SCA Not upheldBanking and PaymentsDRN-1034275 The complaintMr W complains that PayPal Europe Sarl & Cie, SCA registered a default on his credit file in relation to his credit account. Mr W made an earlier complaint about irresponsible lending, which isn't dealt with here.What happenedIn December 2017, Mr W applied... (2 pages)View decision -
Decision Reference DRN-3356062
27 Jan 2023 PayPal (Europe) Sarl et Cie SCA UpheldBanking and PaymentsDRN-3356062 The complaint Mr S says PayPal (Europe) Sarl et Cie SCA (‘PayPal’) irresponsibly lent to him. What happened This complaint is about a credit card account PayPal provided. The PayPal Credit account was opened initially in May 2017 with a credit limit of £250. The following credi... (4 pages)View decision -
Decision Reference DRN-5696356
10 Oct 2025 Salad Finance Limited Not upheldConsumer CreditDRN-5696356 The complaint Miss W complains that Salad Finance Limited trading as SaladMoney was irresponsible in its lending to her. She wants all interest and charges removed from her loan and any adverse data removed from her credit file. What happened Miss W was provided with a £500 ... (3 pages)View decision -
Decision Reference DRN-4889557
28 Aug 2024 Quidie Limited UpheldConsumer CreditDRN-4889557 The complaint Mr M complains that Quidie Limited trading as Fernovo (“Fernovo”) sent to him an unsolicited email and text in February 2024 which he took to be a lure to entice him to apply for a loan. He has experienced distress and has become angry about it. It has caused h... (2 pages)View decision
