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 18371 results
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Decision Reference DRN-4118949
25 May 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4118949 The complaint Ms E complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Ms E applied for an Aqua credit card with NewDay in May 2020. In the application, Ms E said she was e... (2 pages)View decision -
Decision Reference DRN-3192316
7 Feb 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3192316 The complaint Miss G says Everyday Lending Limited (Everyday) lent to her irresponsibly. She also complains that Everyday has, in summary: Breached General Data Protection Regulations (GDPR). Not provided information in a timely manner about her loan. Some of the information ... (4 pages)View decision -
Decision Reference DRN-3445233
1 Jun 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3445233 The complaint Mr J is unhappy Barclays Bank UK Plc (trading as Barclaycard) registered a default against him for missed payments on his credit card. What happened Mr J took out a Barclaycard credit card in 2013. His credit limit was increased from £400 to £1,900 in 2016, but Mr... (3 pages)View decision -
Decision Reference DRN-3933618
7 Feb 2023 FUND OURSELVES LIMITED Not upheldConsumer CreditDRN-3933618 The complaint Mr L complains that FUND OURSELVES LIMITED (FOL) lent to him when he was not ‘in the right frame of mind’ and that his illness means that it should not have been lent to him. What happened Mr L has explained that he applied for a loan on-line on 31 December 2021. ... (5 pages)View decision -
Decision Reference DRN-1557450
9 Jun 2020 Marks & Spencer Financial Services plc Not upheldBanking and PaymentsDRN-1557450 The complaintMiss T complains that Marks and Spencer Financial Services Plc (M&S) unfairly increased the interest rate of her credit card account. What happenedMiss T says M&S told her in May 2019 the interest rate on her credit card account was increasing. She says she... (2 pages)View decision -
Decision Reference DRN-3666768
1 Sep 2022 Evergreen Finance London Limited UpheldConsumer CreditDRN-3666768 The complaint Ms B complains that two loans were lent to her by Evergreen Finance London Limited, trading as MoneyBoat.co.uk, when she could not afford them. And Ms B complains that before pursuing her through the Courts for the debt on loan 2 MoneyBoat ought to have done more.... (8 pages)View decision -
Decision Reference DRN-3771775
8 Nov 2022 Fairscore Ltd UpheldConsumer CreditDRN-3771775 The complaint Mr S complains that Fairscore Ltd trading as Updraft lent to him irresponsibly. What happened Mr S was provided with the following loans by Updraft: -12 February 2021 £3000 over a term of 36 months repayments £117.80 -8 October 2021 £4500 over a term of 36 months ... (3 pages)View decision -
Decision Reference DRN0184040
27 Oct 2017 Barclays Bank Plc Not upheldBanking and creditMiss C feels she’s been unfairly treated by Barclays Bank Plc as it offered her an increase on the credit limit of her credit card account in January 2016. She feels this is irresponsible lending.backgroundMiss C says that Barclays’ shouldn’t have increased her credit ... (2 pages)View decision -
Decision Reference DRN-5496986
28 Apr 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5496986 Complaint Mr M has complained about credit cards Capital One (Europe) plc (“Capital One”) provided to him. He says that the credit cards and the subsequent limit increases shouldn’t have been provided as they were unaffordable for him and this caused the lending relationship... (7 pages)View decision -
Decision Reference DRN-3020936
1 Sep 2021 Indigo Michael Limited Not upheldConsumer CreditDRN-3020936 The complaint Mr H complained that Indigo Michael Limited, trading as SafetyNet Credit (SNC), lent to him irresponsibly. Mr H later complained that a payment removed from his account in September 2018 was done without his permission and he says was an unauthorised payment to SN... (4 pages)View decision
