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-4718862
28 Jun 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4718862 The complaint Mr C complains that Barclays Bank UK PLC, trading as Barclaycard (‘Barclaycard’), irresponsibly granted him a credit card he couldn’t afford to repay. What happened In or around January 2021 Mr C entered into an agreement with Barclaycard to have access to credit ... (3 pages)View decision -
Decision Reference DRN8037662
5 Oct 2017 Madison CF UK Limited Not upheldBanking and creditMr S entered into a 12 month fixed term loan agreement in December 2014 with Madison CF UK Limited (trading as 118 118 Money). He complains that 118 118 lent to him irresponsibly. He wants this loan to be removed from his credit file, and all interest charged to be ... (3 pages)View decision -
Decision Reference DRN7441370
20 Sep 2018 Mobile Money Limited Not upheldBanking and creditMr T complains that Mobile Money Limited (“MML”) engaged in irresponsible lending to him.backgroundMr T says he took out a logbook loan with MML in March 2017 repayable over 18 months and he took out a top up loan with it in September 2017, repayable over 36 mont... (5 pages)View decision -
Decision Reference DRN-6017619
2 Feb 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6017619 Complaint Mr D has complained about credit cards Barclays Bank UK PLC (trading as “Barclaycard”) provided to him. He says that the credit cards were unaffordable and caused ongoing difficulty. Mr D is being assisted in his complaint by his daughter. However, for ease of ref... (7 pages)View decision -
Decision Reference DRN-4179328
1 Sep 2023 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-4179328 The complaint In summary, Mr B complains that Capital One (Europe) Plc, hasn’t helped him with the credit card account he has with it. He’s said he has been using the account to its limit, struggled to make the monthly payments and has been in persistent debt for many years. Wh... (3 pages)View decision -
Decision Reference DRN-3914487
25 Jan 2023 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-3914487 The complaint Mr E says Tesco Personal Finance PLC irresponsibly lent to him. What happened Mr E opened a credit card with Tesco on 23 March 2017. He was given a £4,300 credit limit. The account defaulted in July 2019 and is being repaid through Mr E’s debt management plan. Mr ... (3 pages)View decision -
Decision Reference DRN3573633
23 Jan 2019 Madison CF UK Limited Not upheldBanking and creditMrs R complains that Madison CF UK Limited (trading as 118118Money) irresponsibly lent her money. backgroundIn December 2014 Mrs R took out a £1,500 loan with Madison repayable over 24 months. She got into financial difficulty and couldn’t pay it back as planned. She s... (2 pages)View decision -
Decision Reference DRN-3895586
1 Feb 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3895586 The complaint Mr S says NewDay Ltd irresponsibly lent to him. What happened This complaint is about two credit card accounts NewDay Ltd provided. The Marbles account was opened in July 2018. Mr S was given an initial credit limit of £1,200. This limit was increased four times u... (3 pages)View decision -
Decision Reference DRN-5747118
12 Aug 2025 Home Retail Group Card Services Limited UpheldConsumer CreditDRN-5747118 The complaint Miss T complains that Home Retail Group Card Services Limited trading as Argos Card irresponsibly lent to her. What happened Miss T was approved for an Argos card in December 2019, with a credit limit of £200. Miss T says this was irresponsibly lent to her. Mis... (3 pages)View decision -
Decision Reference DRN8249532
5 Jun 2018 Everyday Loans Limited Not upheldBanking and creditMr S is unhappy with the collections activity on his loan with Everyday Loans Limited. backgroundMr S contacted Everyday Loans on 4 October 2017 – further to a complaint his professional representatives made about irresponsible lending. He asked for his account to be pla... (2 pages)View decision