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 17876 results
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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-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 DRN-3826683
25 Nov 2022 Fluro Platform Limited Not upheldConsumer CreditDRN-3826683 The complaint Mr N complains that Fluro Platform Limited, trading as Lending Works (“Lending Works”) shouldn’t have lent to him because it ought reasonably to have realised that he would struggle to make his repayments. What happened Lending Works approved a loan of £1,000 for ... (2 pages)View decision -
Decision Reference DRN-3465759
7 Sep 2022 Morses Club PLC Not upheldConsumer CreditPage 1 of 5The complaint Mr M has two complaints about Morses Club PLC. The first is that Morses lent to him irresponsibly in September 2021. The second is that when he wanted to reborrow 10 weeks later the policy had been changed (in August 2021) to mean he was not able to ask for more cr... (5 pages)View decision -
Decision Reference DRN-3704982
29 Sep 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3704982 The complaint Ms G complains that AvantCredit of UK LLC lent to her when she could not afford it. What happened Ms G’s application to AvantCredit did state that she needed the £6,000 loan in 2016 for debt consolidation. Recently AvantCredit has made submissions on that and I wi... (5 pages)View decision -
Decision Reference DRN-4638929
4 Mar 2024 Barclays Bank UK PLC Not upheldConsumer CreditDRN-4638929 The complaint Mr and Mrs H say Barclays Bank UK PLC lent to them irresponsibly. What happened Mr and Mrs H took out a Resolve loan from Barclays on in December 2012. The loan was for £3,500 and the term was 30 months. It was repaid by October 2014. The loan was taken out as Mr ... (2 pages)View decision -
Decision Reference DRN-5237375
3 Jan 2025 Tesco Personal Finance Limited Not upheldBanking and PaymentsDRN-5237375 The complaint Miss D complains that Tesco Personal Finance Limited trading as Tesco Bank irresponsibly lent to her. What happened Miss D applied for a Tesco credit card in August 2023, and her application was accepted. She was given a £8,500 credit limit. Miss D says that Te... (2 pages)View decision -
Decision Reference DRN-2715453
14 Apr 2021 Hoist Finance UK Limited Not upheldConsumer CreditDRN-2715453 The complaint Mr D has complained that Hoist Finance UK Limited didn’t send him the documents he asked for. What happened This complaint is about a credit card account from 2013, which was sold to Hoist in 2018. In 2020, Mr D asked Hoist for certain documents such as the credit... (2 pages)View decision -
Decision Reference DRN-5396996
14 Mar 2025 Evergreen Finance London Limited Not upheldConsumer CreditDRN-5396996 The complaint Mr E complains that an offer for compensation should have been paid directly to him by Evergreen Finance London Limited trading as MoneyBoat.co.uk (MoneyBoat). He also complains that a loan was irresponsibly lent to him and MoneyBoat failed to set up a payment ... (3 pages)View decision -
Decision Reference DRN-5216943
19 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5216943 The complaint Mr C, represented by a third party, complains that NewDay was irresponsible in its lending to him. What happened In April 2017 NewDay provided Mr C with a credit card with an initial limit of £300. The limit was increased on five occasions bringing it to £4,85... (3 pages)View decision
