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-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-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 -
Decision Reference DRN7913209
31 Jan 2020 Barclays Bank UK PLC Not upheldBanking and creditMrs C complains that Barclays Bank UK PLC, trading as Barclaycard, has lent to her irresponsibly and that it hasn’t treated her fairly. She’s being helped with her complaint by her representative.backgroundMrs C opened a credit card account with Barclaycard in April 1998 and she took out a... (3 pages)View decision -
Decision Reference DRN-5762816
19 Jan 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5762816 The complaint Mr W complains that’s Barclay’s Bank UK PLC trading as Barclaycard (Barclaycard) acted irresponsibly in lending to him. And so, should write off the debt. What happened Around November 2023 Mr W applied for a revolving credit facility (credit card) with Barclay... (3 pages)View decision -
Decision Reference DRN3470149
16 Jan 2019 Santander UK Plc UpheldBanking and creditMrs H (as administrator of the estate of Mrs N) complains about irresponsible lending by Santander UK plc.backgroundMrs N took out two loans and two credit cards with Santander. A complaint about one of the loans was made too late for the purpose of our rules, s... (4 pages)View decision -
Decision Reference DRN-4400143
18 Oct 2023 Salad Finance Limited Not upheldConsumer CreditDRN-4400143 The complaint Miss K says Salad Finance Limited, trading as Salad Money, irresponsibly lent to her. What happened Miss K took out a £1,000 loan over 12 months from Salad Money on 12 October 2021. The monthly repayments were £112.58 and the total repayable was £1,347.48. Miss K ... (2 pages)View decision -
Decision Reference DRN-5360449
4 Mar 2025 J D Williams & Company Limited Not upheldConsumer CreditDRN-5360449 The complaint Mrs H complains J D Williams & Company Limited trading as Simply Be (JDW) won’t pay a refund for irresponsible lending on a store card directly to her. What happened Mrs H originally raised an irresponsible lending complaint to JDW. JDW accepted they’d irre... (4 pages)View decision -
Decision Reference DRN-3693099
25 Nov 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3693099 The complaint Mr S complains that Madison CF UK Limited trading as 118 118 Money irresponsibly lent to him. What happened 118 118 Money provided Mr S with a loan of £3,000 on 5 January 2019, repayable over 24 months at the monthly rate of £235.87. Mr S got into difficulties ove... (3 pages)View decision -
Decision Reference DRN-3359926
28 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3359926 The complaint Mr L complains NewDay Ltd irresponsibly lent him two credit cards, and a loan. What happened Mr L took out the following: Aqua credit card in May 2015 with an initial limit of £100 Marbles credit card in December 2016 with an initial limit of £600 Marbles loan ... (5 pages)View decision