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 18371 results
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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 DRN2350951
26 Apr 2018 Shop Direct Finance Company Limited Not upheldBanking and creditMr M complains that Shop Direct Finance Company Limited engaged in irresponsible lending to him.backgroundMr M says SDF shouldn’t have allowed him to borrow from it, due to having a bad credit rating. He says if it had looked into his finances in more detail it would... (2 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-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 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 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-3910428
26 Jan 2023 TM Advances Limited Not upheldConsumer CreditDRN-3910428 The complaint Mr C complains TM Advances Limited irresponsibly lent to him. He says TM Advances did not give him sufficient information prior to the loan being agreed, and that TM Advances interest charges are excessive. He also complains about other customer service issues. Wh... (4 pages)View decision -
Decision Reference DRN-4218978
14 Jul 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4218978 The complaint Mrs M complains that HSBC UK Bank Plc lent to her irresponsibly. What happened Mrs M applied for a credit card. HSBC approved the application and gave Mrs M a card which had a 0% offer on balance transfers for a year. Mrs M made a balance transfer of £4500 in Febr... (3 pages)View decision -
Decision Reference DRN-2358497
8 Dec 2020 Gain Credit LLC Not upheldConsumer CreditDRN-2358497 The complaint Mr P complains that Gain Credit LLC, trading as Lending Stream, (“LS”), didn’t remove his upheld loans from his credit file when it agreed to provide redress on an irresponsible lending complaint he had made against it. What happened Mr P took out 25 short term lo... (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
