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-3210801
21 Feb 2022 Chetwood Financial Limited Not upheldConsumer CreditDRN-3210801 The complaint Mr K has complained that Chetwell Financial Limited (Trading at the time as “Live Lend”) provided him with an unaffordable loan. What happened Live Lend provided Mr K with a personal loan of £1,000.00 in November 2018. This loan had a 24-month term with a monthly ... (3 pages)View decision -
Decision Reference DRN7966728
22 Apr 2013 Lombard Vehicle Management (1) Limited UpheldBanking and creditMr B is represented by his parents. Mr B’s parents complain that Lombard engaged in irresponsible lending in relation to a conditional sale agreement on a new car. Mr B has been diagnosed with Asperger’s syndrome and says he was unduly pressured into the purchase by a third party. Mr B... (4 pages)View decision -
Decision Reference DRN8612321
1 Nov 2018 MYJAR Limited UpheldBanking and creditMr K has complained about a series of payday loans he took out with MYJAR Limited (trading as “MYJAR”).He’s said MYJAR lent to him irresponsibly as it provided him with a number of loans over a period of almost five years. He’s also said that he had several other... (19 pages)View decision -
Decision Reference DRN-5898245
5 Feb 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5898245 The complaint Miss K complains that National Westminster Bank Public Liability Company (NatWest) lent irresponsibly when it approved her credit card application. What happened Miss K applied for a NatWest credit card in October 2024. In her application, Miss K confirmed she... (3 pages)View decision -
Decision Reference DRN-4940497
16 Aug 2024 Lloyds Bank PLC Not upheldConsumer CreditDRN-4940497 The complaint Mrs W, represented by a family member Mr N, complains that Lloyds Bank PLC was irresponsible in its lending to her. What happened Mrs W was provided with a £20,000 loan by Lloyds in July 2023. Mr N says that Mrs W had become mentally ill around April/May 2023, ... (3 pages)View decision -
Decision Reference DRN3343157
26 Apr 2019 Loans 2 Go Limited UpheldBanking and creditMr J has complained about five logbook loans provided which were provided to him by Loans 2 Go Limited (“L2G”). He says it was irresponsible for L2G to give him these loans as his credit file would’ve shown defaults, missed and late payments and several payday loa... (19 pages)View decision -
Decision Reference DRN-4651457
17 Apr 2024 Loans 2 Go Limited Not upheldConsumer CreditDRN-4651457 The complaint Miss R complains that Loans 2 Go Limited lent to her irresponsibly in May 2023. Miss R says that she’s been charged too much interest and wants a refund. What happened Miss R applied for a loan for £1,500 on 2 May 2023 and it was approved. It was a high interest l... (5 pages)View decision -
Decision Reference DRN-5544905
8 May 2025 HSBC UK Bank Plc Not upheldConsumer CreditDRN-5544905 The complaint X complains HSBC UK Bank Plc (“HSBC”) lent three loans to them irresponsibly between 2006 and 2008. What happened In July 2006, X was provided with a flexi-loan for £2,000. Then in May 2007 a loan for £5,000 was provided – around £4,500 was used to consolidate... (5 pages)View decision -
Decision Reference DRN7768274
27 Jun 2013 Marsh Finance Ltd UpheldBanking and creditMr K complains about a hire purchase agreement he took out to buy a car. He is unhappy Marsh Finance Ltd did not accept his request to voluntary terminate the agreement when he said he could not afford the monthly repayments. He also believes the hire purchase agreement was not afforda... (3 pages)View decision -
Decision Reference DRN-5536461
23 May 2025 Tesco Personal Finance Limited Not upheldBanking and PaymentsDRN-5536461 Complaint Mr L has complained about a credit card Tesco Personal Finance Limited (“Tesco PF”) provided to him. He says that the credit card and the subsequent limit increases shouldn’t have been provided as they were unaffordable for him. Background Tesco PF provided Mr L w... (7 pages)View decision