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-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 DRN4448324
21 Apr 2015 Steven George Murray UpheldBanking and creditMr M complains that Steven George Murray (trading as Uncle Buck) irresponsibly lent him money. background Mr M took out a number of payday loans with Uncle Buck over about a five year period. Each time the original loan was rolled over and it took some time before... (2 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 -
Decision Reference DRN-5857262
20 Oct 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5857262 Complaint Mr G has complained about a credit card Barclays Bank UK PLC (trading as “Barclaycard”) provided to him. He says the credit card and the subsequent limit increases shouldn’t have been provided as they were unaffordable and caused his lending relationship to be unfa... (6 pages)View decision -
Decision Reference DRN-5924719
11 Nov 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY UpheldBanking and PaymentsDRN-5924719 The complaint Miss J complains that NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY (NatWest) was irresponsible in its lending to her. What happened Miss J was provided with a credit card account by NatWest in August 2019. The initial credit limit was £500, and this hasn’t ... (3 pages)View decision -
Decision Reference DRN-3112069
24 Mar 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3112069 The complaint Mrs B complains that Loans 2 Go Limited made an irresponsible lending decision when agreeing to provide her a loan. What happened In May 2019 Mrs B took a personal loan with Loans 2 Go for £500. The borrowing was to be repaid over a period of 18 months with monthl... (3 pages)View decision -
Decision Reference DRN-5248122
25 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5248122 The complaint Mr P complains that NewDay Ltd was irresponsible in its lending to him. What happened Mr P was provided with a credit card by NewDay in 2019. The credit limit was increased on several occasions between October 2019 and December 2022, with the final credit limit... (4 pages)View decision -
Decision Reference DRN-2762995
19 May 2021 Greenlight Credit Ltd UpheldConsumer CreditDRN-2762995 The complaint Mr S says Greenlight Credit Ltd (trading as Varooma) lent to him irresponsibly and treated him unfairly when he couldn’t repay the loan. What happened Mr S took out a 36-month loan for £4000 on 25 April 2019. The monthly repayment was £394.44 and the total repayab... (3 pages)View decision -
Decision Reference DRN5226860
21 Oct 2019 Cabot Credit Management Group Limited Not upheldBanking and creditMr C complains that a debt Cabot Credit Management Group Limited (“Cabot”) are pursuing him for is unenforceable and that they’ve been aggressive when chasing him for it.Mr C has been represented by a third party in this complaint but for ease I will refer to Mr C throughout this decision.... (3 pages)View decision -
Decision Reference DRN0615138
13 Aug 2018 Shop Direct Finance Company Limited Not upheldBanking and creditMiss P complains Shop Direct Finance Company Limited gave her credit which she couldn’t afford. And it raised her interest rate. She says this amounted to irresponsible lending as proper checks weren’t carried out. She wants a refund of interest charges and the remai... (3 pages)View decision