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 19711 results
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Decision Reference DRN-4103046
10 May 2023 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4103046 The complaint Mr J complains that Lloyds Bank PLC lent irresponsibly when it approved his credit card application and went on to increase the credit limit on various occasions. What happened Mr J successfully applied for a credit card with Lloyds in April 2010 and was given a £... (2 pages)View decision -
Decision Reference DRN-4411464
15 Nov 2023 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4411464 The complaint Miss F says Lloyds Bank PLC irresponsibly lent to her. What happened Miss F opened a credit card with Lloyds in November 2012. She was given a £750 credit limit; this was increased to £1,250 in August 2013 and to £1,750 in September 2014. It was then reduced to £1... (2 pages)View decision -
Decision Reference DRN-5659523
10 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5659523 The complaint Ms M complains that NewDay Ltd trading as Marbles irresponsibly lent to her. What happened Ms M was approved for a Marbles credit card in July 2021 with a £250 credit limit. The credit limit was increased to £1,250 in April 2022, and it was increased for a fina... (4 pages)View decision -
Decision Reference DRN-5836883
24 Sep 2025 Capital One (Europe) plc UpheldBanking and PaymentsDRN-5836883 The complaint Ms B complains that Capital One (Europe) plc lent irresponsibly when it approved her credit card application. Ms B also complains that Capital One failed to close a credit card that it had previously upheld an irresponsible lending complaint about. What happen... (4 pages)View decision -
Decision Reference DRN-2671539
8 Oct 2021 Barclays Bank UK PLC Not upheldConsumer CreditDRN-2671539 The complaint Mr M complains that Barclays Bank UK PLC lent to him when it shouldn’t have. What happened Mr M has complained about irresponsible lending. This complaint relates to seven loans taken out between 2014 and 2018. Mr M says Barclays frequently offered him loans throu... (2 pages)View decision -
Decision Reference DRN2104475
16 Dec 2018 Gain Credit LLC UpheldBanking and creditMr W has complained about short-term loans granted to him by Gain Credit LLC trading as Lending Stream.Mr W says that Lending Stream didn’t carry out proper affordability checks and so lent to him when he couldn’t afford to repay. He says that his credit reports w... (22 pages)View decision -
Decision Reference DRN-4979485
21 Aug 2024 MBNA Limited Not upheldConsumer CreditDRN-4979485 The complaint Mr I complains that MBNA Limited was irresponsible to lend to him and that its customer service was lacking. What happened Mr I was approved for a loan with MBNA in July 2022 as follows: Date Amount Term Repayment 16 Jul 2022 £12,000 84 months £190.38 Mr I’s... (3 pages)View decision -
Decision Reference DRN-4227172
18 Jul 2023 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4227172 The complaint Mr S complains that Bank of Scotland plc trading as Halifax irresponsibly provided him with and increased the credit limit on, three credit cards, for which he was unable to afford the repayments. He further complained that Halifax failed to provide him with infor... (3 pages)View decision -
Decision Reference DRN-5601312
24 Jun 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5601312 The complaint Mr N complains that Capital One (Europe) plc (“Capital One”) acted irresponsibly in giving him a credit card with a £200 credit limit and stopped taking repayments from his pre-paid credit card which resulted in a County Court Judgement (CCJ) against him for ... (3 pages)View decision -
Decision Reference DRN6354021
2 Apr 2020 The Royal Bank of Scotland Plc Not upheldBanking and creditMr R has complained that The Royal Bank of Scotland Plc (‘the bank’) refused his request for a fixed rate loan to repay his credit card account with the bank. Mr R has also later complained about the circumstances surrounding his full repayment of the credit card account.backgroundMr R has... (3 pages)View decision
