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 DRN9241868
8 May 2013 Lloyds TSB Bank Plc Not upheldPayment protection insurance (PPI)This complaint is about two payment protection insurance (PPI) policies taken out in 2003 and 2004 in connection with two loans. Mr J says that Lloyds TSB Bank Plc mis-sold the policies. Mr J has also complained that Lloyds participated in ‘irresponsible lending’ in granting him the two l... (2 pages)View decision -
Decision Reference DRN-5072306
18 Oct 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5072306 The complaint Miss K says Vanquis Bank Limited irresponsibly lent to her. What happened Miss K took out a credit card from Vanquis in November 2021.She was given a £250 credit limit. The account defaulted in June 2022. Miss K says defaulting on this account has had significa... (3 pages)View decision -
Decision Reference DRN-3092114
21 Dec 2021 TFS Loans Limited UpheldConsumer CreditDRN-3092114 The complaint Mrs C has complained that TFS Loans Limited (“TFS Loans”) provided her with an unaffordable loan. What happened TFS Loans provided Mrs C with a loan of £5,000 in August 2010. This loan had a 30-month term with a monthly repayment amount of £299.94. This all meant ... (4 pages)View decision -
Decision Reference DRN5436535
9 Aug 2019 UK Credit Limited UpheldBanking and creditMr B has complained that UK Credit Limited (“UK Credit”) irresponsibly provided him with an unaffordable guarantor loan. He says that he shouldn’t have been given the loan due to his situation and the risk that he posed bearing in mind his existing debt and gambling addiction. backgroundUK... (12 pages)View decision -
Decision Reference DRN-4746284
3 Sep 2024 FUND OURSELVES LIMITED Not upheldConsumer CreditDRN-4746284 The complaint Miss S complains that FUND OURSELVES LIMITED (“FOL”) treated her poorly when she got into arrears, it offered no support and she feels she has been ignored. Miss S is not content that FOL has applied a default to the account, and the way that it corresponded wi... (4 pages)View decision -
Decision Reference DRN9311576
29 Jan 2020 Elevate Credit International Limited Not upheldBanking and creditMiss P says Elevate Credit International Limited (‘ECI’) irresponsibly lent to her.backgroundThis complaint is about 16 instalment loans which ECI provided to Miss P between July 2016 and February 2017. Miss P complained the loans were not affordable or sustainable, so she concluded ECI ha... (2 pages)View decision -
Decision Reference DRN-3989164
4 Jul 2023 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-3989164 The complaint Mrs G complains that Lantern Debt Recovery Services Ltd (Lantern) purchased her debt of a loan from the administrators of the loan company, when it was still in dispute, and are pursuing recovery of the debt. What happened Mrs G took out a loan with a loan company... (2 pages)View decision -
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-4020153
5 May 2023 Apfin Ltd Not upheldConsumer CreditDRN-4020153 The complaint Miss L complains that APFIN LTD, trading as cashasap.co.uk (“Apfin”) in 2022 failed to manage her account and credit reporting following an earlier incident from 2020. What happened Matters relating to a fraud incident in March 2020 are the background to this comp... (2 pages)View decision -
Decision Reference DRN-4480682
5 Dec 2023 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4480682 The complaint Mr S says Vanquis Bank Limited irresponsibly lent to him. What happened Mr S says Vanquis increased the limit on his credit card three times by large amounts which plunged him into debt. And he had not given his consent. Mr S opened his account in March 2017, he w... (3 pages)View decision
