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-2671539
8 Oct 2021 Barclays Bank UK PLC Not upheldConsumer CreditDRN-2671539 The complaint Mr M complains that Barclays Bank UK PLC lent to him when it shouldn’t have. What happened Mr M has complained about irresponsible lending. This complaint relates to seven loans taken out between 2014 and 2018. Mr M says Barclays frequently offered him loans throu... (2 pages)View decision -
Decision Reference DRN-4979485
21 Aug 2024 MBNA Limited Not upheldConsumer CreditDRN-4979485 The complaint Mr I complains that MBNA Limited was irresponsible to lend to him and that its customer service was lacking. What happened Mr I was approved for a loan with MBNA in July 2022 as follows: Date Amount Term Repayment 16 Jul 2022 £12,000 84 months £190.38 Mr I’s... (3 pages)View decision -
Decision Reference DRN-4227172
18 Jul 2023 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4227172 The complaint Mr S complains that Bank of Scotland plc trading as Halifax irresponsibly provided him with and increased the credit limit on, three credit cards, for which he was unable to afford the repayments. He further complained that Halifax failed to provide him with infor... (3 pages)View decision -
Decision Reference DRN6354021
2 Apr 2020 The Royal Bank of Scotland Plc Not upheldBanking and creditMr R has complained that The Royal Bank of Scotland Plc (‘the bank’) refused his request for a fixed rate loan to repay his credit card account with the bank. Mr R has also later complained about the circumstances surrounding his full repayment of the credit card account.backgroundMr R has... (3 pages)View decision -
Decision Reference DRN-3487003
11 Nov 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3487003 The complaint Miss G complains through her representative that AvantCredit of UK, LLC irresponsibly provided her with a high cost loan that she couldn’t afford to repay. What happened AvantCredit provided Miss G with a loan for £1,000 on 6 October 2015 repayable over 36 months ... (3 pages)View decision -
Decision Reference DRN4257762
12 May 2020 Gain Credit LLC UpheldBanking and creditMr L complains that Gain Credit LLC, trading as Lending Stream and as Drafty, lent to him irresponsibly. backgroundGain Credit LLC altered its trading names – Lending Stream and Drafty – and so for this decision I refer to it as Drafty for convenience.Drafty offered a credit facility which... (4 pages)View decision -
Decision Reference DRN1661010
3 Jan 2014 Provident Personal Credit Limited UpheldBanking and creditMr H makes several complaints about loans he took out with Provident Personal Credit Limited. In short, he complains that Provident is guilty of irresponsible lending, maladministration of his account, poor complaint handling and poor customer service.backgroundMr H took out seven Prov... (4 pages)View decision -
Decision Reference DRN-1953826
7 Sep 2020 S.D. Taylor Limited UpheldConsumer CreditDRN-1953826The complaintMrs M says S.D. Taylor Limited trading as Loans At Home (LAH) lent to her irresponsibly. She says that the representative didn’t really consider her circumstances or the information she provided at the time of sale. If he had done she says LAH wouldn’t have lent to ... (3 pages)View decision -
Decision Reference DRN-3525146
20 Jul 2022 NewDay Ltd UpheldBanking and PaymentsPage 1 of 3The complaint Ms C says NewDay Ltd (‘NewDay’) irresponsibly lent to her. What happened This complaint is about a credit card account NewDay provided. The account was opened in November 2015. Ms C was given an initial credit limit of £450. This limit was increased three times unt... (3 pages)View decision -
Decision Reference DRN-4507003
13 Dec 2023 Vanquis Bank Limited UpheldConsumer CreditDRN-4507003 Complaint Mr M has complained about a personal loan Vanquis Bank Limited (“Vanquis”) provided to him. He says the loan was unaffordable and was therefore irresponsibly lent to him. Background Vanquis provided Mr M with a loan for £1,500.00 in March 2023. This loan had an APR of... (4 pages)View decision
