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 21091 results
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Decision Reference DRN-1953826
7 Sep 2020 S.D. Taylor Limited UpheldConsumer CreditDRN-1953826The complaintMrs M says S.D. Taylor Limited trading as Loans At Home (LAH) lent to her irresponsibly. She says that the representative didn’t really consider her circumstances or the information she provided at the time of sale. If he had done she says LAH wouldn’t have lent to ... (3 pages)View decision -
Decision Reference DRN-4611877
9 Feb 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4611877 The complaint Miss L complains that Bank of Scotland plc agreed to a number of overdrafts on her account (in quick succession), which were unaffordable for her What happened Miss L applied for, and Bank of Scotland agreed to, the following overdrafts: In March 2022, Bank of Sco... (4 pages)View decision -
Decision Reference DRN5655273
10 Apr 2014 AIB Group (UK) Plc Not upheldBanking and creditMr and Mrs T (and their daughter, Miss T) complain – through their representative – that AIB Group (UK) Plc (trading as First Trust Bank) (‘AIB’) was irresponsible in its lending to them.backgroundMr and Mrs T (and other family members) were longstanding customers of AIB. Since 2004 the... (1 page)View decision -
Decision Reference DRN-3525146
20 Jul 2022 NewDay Ltd UpheldBanking and PaymentsPage 1 of 3The complaint Ms C says NewDay Ltd (‘NewDay’) irresponsibly lent to her. What happened This complaint is about a credit card account NewDay provided. The account was opened in November 2015. Ms C was given an initial credit limit of £450. This limit was increased three times unt... (3 pages)View decision -
Decision Reference DRN-5171959
11 Dec 2024 Metro Bank PLC UpheldConsumer CreditDRN-5171959 The complaint Miss T complains that Metro Bank PLC (Metro Bank), trading as RateSetter, haven’t responded to her Data Subject Access Request (DSAR). Miss T has been represented by Mr M in this complaint. For ease, and because Miss T is the account holder, I’ll refer only to ... (2 pages)View decision -
Decision Reference DRN-4104935
30 Jun 2023 Gain Credit LLC Not upheldConsumer CreditDRN-4104935 The complaint Miss B complains that Gain Credit LLC , trading as Lending Stream, lent to her irresponsibly. What happened Using information from Lending Stream and Miss B then here is a loan table: Loan Borrowed Date Amount Repayment schedule in agreement - monthly Total to pay... (4 pages)View decision -
Decision Reference DRN-4659337
11 Apr 2024 Bamboo Limited UpheldConsumer CreditDRN-4659337 The complaint Ms C complains that Bamboo Limited lent to her when she was not able to afford it. Ms C also complains that she cannot afford to repay the capital of the loan and wants it written off. In addition, Ms C complains about an assignment document and that the solicitor... (4 pages)View decision -
Decision Reference DRN6022338
23 Sep 2018 Casheuronet UK LLC UpheldBanking and creditMr M originally complained to CashEuroNet UK LLC, trading as QuickQuid, about irresponsible lending. He then made a second complaint, saying he was unhappy about how QuickQuid treated him when he informed them of his financial difficulty.Only the complaint about how Q... (3 pages)View decision -
Decision Reference DRN-2841208
29 Oct 2021 Gracombex Ltd Not upheldConsumer CreditDRN-2841208 The complaint Mr B complains that Gracombex Ltd, trading as The Money Platform, should never have lent to him. What happened Using information supplied by The Money Platform, here is a brief summary of the approved loans. I have included the gaps in the lending relationship her... (4 pages)View decision -
Decision Reference DRN-5745963
28 Nov 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5745963 The complaint Miss B has complained about some of the compensation that Lloyds Bank PLC (‘Lloyds’) has awarded her in relation to an overdraft and a refinance loan. What happened Miss B was given an overdraft increase in April 2019. She also later took out a refinance loan ... (2 pages)View decision