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
-
Decision Reference DRN-4603898
26 Mar 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4603898 The complaint Miss B complains that Vanquis Bank Limited irresponsibly lent to her. What happened Miss B applied for a credit card from Vanquis in February 2019. It gave her a £1,000 credit limit and increased this to £1,750 in June 2021, to £2,500 in July 2022, to £3,500 in No... (3 pages)View decision -
Decision Reference DRN-2944391
17 Aug 2021 Stagemount Limited Not upheldConsumer CreditDRN-2944391 The complaint Miss M says Stagemount Limited trading as Quid Market lent to her irresponsibly. She says that she had a significant amount of other debt when Quid Market approved these loans. This was caused, in part, by a medical condition that could lead to compulsive spending... (3 pages)View decision -
Decision Reference DRN-3944428
3 Mar 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3944428 The complaint Miss P says Barclays Bank UK PLC trading as Barclaycard lent to her irresponsibly and it failed to provide her with the necessary support when she experienced financial difficulties. What happened The facts of the complaint are well known to both parties, so I wil... (4 pages)View decision -
Decision Reference DRN-3492393
23 May 2022 Studio Retail Limited Not upheldConsumer CreditDRN-3492393 The complaint Ms C complains that Studio Retail Limited (‘Studio Retail’) irresponsibly gave her a running account credit facility that she couldn’t afford. What happened On 22 September 2016, Ms C applied for a credit account with Studio Retail. She was given an initial credit... (2 pages)View decision -
Decision Reference DRN9516757
25 Mar 2021 The Royal Bank of Scotland Plc Not upheldBanking and creditComplaint Mrs W has complained about the way that overdraft charges were applied on her The Royal Bank of Scotland Plc (“RBS”) bank account. In essence, she’s said RBS continued applying these charges and didn’t help her when it was apparent that she was living in her overdraft and unable ... (15 pages)View decision -
Decision Reference DRN-3506676
22 Jun 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3506676 The complaint Mr J complains that Everyday Lending Limited, trading as Everyday Loans, lent to him irresponsibly. Mr J also complains that the Everyday Lending representatives pressurised him into increasing a loan he had applied for from £1,500 to £3,000. Mr J says that as a r... (6 pages)View decision -
Decision Reference DRN-3487890
20 May 2022 Home Retail Group Card Services Limited Not upheldConsumer CreditDRN-3487890 The complaint Mr M complains that Home Retail Group Card Services Limited trading as Argos Financial Services (‘Home Retail Group’) irresponsibly gave him a credit card account that he couldn’t afford. What happened On 10 December 2013, Mr M applied for a credit account with Ho... (3 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-3843676
10 Jan 2023 Town & Country Legal Services LLP Not upheldConsumer CreditDRN-3843676 The complaint Mr P complains about the contact received from Town & Country Legal Services LLP (T&C) in relation to a debt it was seeking to collect. What happened Mr P had an account with another business (E) that instructed T&C to contact him to discuss repayment ... (3 pages)View decision
