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 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-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 DRN6137816
21 Mar 2016 Lending Stream Llc Not upheldBanking and creditMiss K complains Lending Stream LLC (LS) was irresponsible in lending money to her. She says if it had carried out suitable checks, it would have known the lending was unaffordable.backgroundMiss K took eight loans with LS between 2011 and 2014. She said LS didn’t ... (2 pages)View decision -
Decision Reference DRN-3827502
9 Dec 2022 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-3827502 The complaint Miss S says Tesco Personal Finance PLC irresponsibly lent to her. What happened Miss S opened a credit card with Tesco on 4 April 2017. She was given a £3,800 credit limit. This was increased in 2019 and 2021 but Miss S did not use any of this additional credit, h... (2 pages)View decision -
Decision Reference DRN4831836
26 Jan 2018 UCB Home Loans Corporation Ltd Not upheldBanking and creditMrs P complains that UCB Home Loans Corporation Ltd (“UCB”) coerced her into fixing her mortgage interest rate for 10 years. She says she’s been overcharged interest as a result. backgroundIn 2008 Mrs P contacted UCB to change mortgage products. She fixed her mortga... (2 pages)View decision -
Decision Reference DRN8380058
15 Dec 2015 Lloyds Bank PLC Not upheldBanking and creditMr O has complained about irresponsible lending by Lloyds Bank PLC (Lloyds).backgroundIn 2005, Mr O opened an account with Lloyds. It offered him a credit card with a limit of £500, which he accepted. His spending on the credit card then exceeded the limit and he ran ... (2 pages)View decision -
Decision Reference DRN-3216255
11 Jan 2022 Inclusive Finance Limited Not upheldConsumer CreditDRN-3216255 The complaint Mr R has complained about credit he borrowed with Inclusive Finance Limited, trading as Creditspring (‘Creditspring’). Mr R feels that the lending was irresponsible and also unaffordable. What happened The background to this complaint is well known to both Mr R an... (2 pages)View decision -
Decision Reference DRN-5350802
17 Mar 2025 Salary Finance Loans Limited Not upheldConsumer CreditDRN-5350802 The complaint Mr C complains that Salary Finance Limited was irresponsible in its lending to him and hasn’t provided him with the service it should have while managing his loan. What happened Mr C was provided with a £5,500 loan by Salary Finance in April 2024. The loan term... (3 pages)View decision -
Decision Reference DRN-4522384
22 Apr 2024 Zopa Bank Limited Not upheldBanking and PaymentsDRN-4522384 The complaint Mr E complains that Zopa Bank Limited (“Zopa”) irresponsibly granted him two credit cards he couldn’t afford to repay. What happened In February 2022 Mr E entered into an agreement with Zopa to have access to credit by way of a credit card account. He was given a ... (2 pages)View decision -
Decision Reference DRN8528360
11 May 2020 Capital One (Europe) plc UpheldBanking and creditMs J complains that Capital One (Europe) plc (Capital One) allowed her to go over the credit limit on her credit card on a number of occasions. She also thinks the card was mis-sold to her because she says it was supposed to build up her credit score, but she thinks she incurred extra char... (5 pages)View decision
