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-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-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 -
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-3519700
8 Jun 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3519700 The complaint Mr N says that National Westminster Bank Plc (“NatWest”) lent to him irresponsibly and took advantage by applying extremely high interest and overdraft charges. What happened One of our adjudicators looked into Mr N’s concerns and didn’t think NatWest had done any... (4 pages)View decision -
Decision Reference DRN-5609376
26 Aug 2025 JDB Enterprise Group Ltd Not upheldConsumer CreditDRN-5609376 The complaint Mr B complains that JDB Enterprise Group Ltd trading as Fast Loan UK (Fast Loan) lent to him irresponsibly. Mr B says that Fast Loan did not carry out the correct checks and if it had it would not have lent to him. In February 2025 Mr B complained that JDB Ent... (8 pages)View decision -
Decision Reference DRN4222725
3 Sep 2018 Vanquis Bank Limited Not upheldBanking and creditMiss C is unhappy Vanquis Bank Limited kept increasing the credit limit on her account when she couldn’t afford it. She says this was irresponsible lending. Miss C wants the interest to be refunded and/or the balance on the account to be written off.backgroundMiss C ... (3 pages)View decision -
Decision Reference DRN6563949
21 Jan 2020 Gain Credit LLC Not upheldBanking and creditMr G complains about information which Gain Credit LLC (trading as Lending Stream) recorded on his credit file.backgroundMr G took out two loans with Lending Stream in 2013.LoanDateAmountNo. of instalments104.08.13£5006220.09.13£2506Mr G made the repayments due in August and September 2013... (3 pages)View decision -
Decision Reference DRN-3129147
15 Jan 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3129147 The complaint Mrs B complains that Madison CF UK Limited (“118 118 Money”) lent to her in an irresponsible manner. What happened Mrs B was given a fixed term loan by 118 118 Money. She took the loan out on 26 November 2013 for £2000 to be repaid over 2 years at a monthly repaym... (3 pages)View decision -
Decision Reference DRN-3550216
15 Jul 2022 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-3550216 The complaint Ms K says Shop Direct Finance Company Limited, trading as very, irresponsibly lent to her. What happened Ms K applied for a catalogue shopping account in April 2014. Shop Direct accepted her application and gave her an initial credit limit of £1,000. The credit li... (3 pages)View decision