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 18463 results
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Decision Reference DRN-2714912
12 Apr 2021 Next Retail Limited UpheldConsumer CreditDRN-2714912 The complaint Ms A says Next Retail Limited irresponsibly lent to her when it increased the credit limit on her NextPay account in September 2017. What happened Ms A opened a NextPay account in 2006. She previously brought a complaint to this service about irresponsible lending... (3 pages)View decision -
Decision Reference DRN-1778548
31 Mar 2021 Everyday Lending Limited Not upheldConsumer CreditDRN-1778548 The complaint Mr B says Everyday Lending Limited (ELL) was irresponsible to offer him a loan. What happened Mr B says he applied by phone for a £10,000 loan to consolidate his existing debts in April 2019. ELL asked him to visit a branch to sign the paperwork and bring in recen... (2 pages)View decision -
Decision Reference DRN5655273
10 Apr 2014 AIB Group (UK) Plc Not upheldBanking and creditMr and Mrs T (and their daughter, Miss T) complain – through their representative – that AIB Group (UK) Plc (trading as First Trust Bank) (‘AIB’) was irresponsible in its lending to them.backgroundMr and Mrs T (and other family members) were longstanding customers of AIB. Since 2004 the... (1 page)View decision -
Decision Reference DRN-4611877
9 Feb 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4611877 The complaint Miss L complains that Bank of Scotland plc agreed to a number of overdrafts on her account (in quick succession), which were unaffordable for her What happened Miss L applied for, and Bank of Scotland agreed to, the following overdrafts: In March 2022, Bank of Sco... (4 pages)View decision -
Decision Reference DRN-4659337
11 Apr 2024 Bamboo Limited UpheldConsumer CreditDRN-4659337 The complaint Ms C complains that Bamboo Limited lent to her when she was not able to afford it. Ms C also complains that she cannot afford to repay the capital of the loan and wants it written off. In addition, Ms C complains about an assignment document and that the solicitor... (4 pages)View decision -
Decision Reference DRN-4104935
30 Jun 2023 Gain Credit LLC Not upheldConsumer CreditDRN-4104935 The complaint Miss B complains that Gain Credit LLC , trading as Lending Stream, lent to her irresponsibly. What happened Using information from Lending Stream and Miss B then here is a loan table: Loan Borrowed Date Amount Repayment schedule in agreement - monthly Total to pay... (4 pages)View decision -
Decision Reference DRN-3053398
27 Sep 2021 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3053398 The complaint Mr M has complained that Bank of Scotland plc (trading as Halifax) irresponsibly increased his overdraft limit. He says that Halifax ought to have realised that he had a gambling problem, and that he would therefore struggle to repay the overdraft. What happened M... (2 pages)View decision -
Decision Reference DRN-3129147
15 Jan 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3129147 The complaint Mrs B complains that Madison CF UK Limited (“118 118 Money”) lent to her in an irresponsible manner. What happened Mrs B was given a fixed term loan by 118 118 Money. She took the loan out on 26 November 2013 for £2000 to be repaid over 2 years at a monthly repaym... (3 pages)View decision -
Decision Reference DRN-5652067
27 Jun 2025 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-5652067 The complaint Miss B complains Cabot Credit Management Group Limited trading as Cabot Financial (Europe) Limited have: Asked her to repay a debt she doesn’t think they should Been reporting a default incorrectly Delayed dealing with her court claim which lost her the c... (2 pages)View decision -
Decision Reference DRN-3826057
5 Dec 2022 Madison CF UK Limited Not upheldBanking and PaymentsDRN-3826057 The complaint Mr P complains that Madison CF UK Limited trading as 118 118 Money was irresponsible in its lending to him. What happened In April 2021, Mr P was provided with credit card by 118 118 Money with a credit limit of £1,200. There were no increases to the credit limit.... (2 pages)View decision
