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-5171959
11 Dec 2024 Metro Bank PLC UpheldConsumer CreditDRN-5171959 The complaint Miss T complains that Metro Bank PLC (Metro Bank), trading as RateSetter, haven’t responded to her Data Subject Access Request (DSAR). Miss T has been represented by Mr M in this complaint. For ease, and because Miss T is the account holder, I’ll refer only to ... (2 pages)View decision -
Decision Reference DRN6022338
23 Sep 2018 Casheuronet UK LLC UpheldBanking and creditMr M originally complained to CashEuroNet UK LLC, trading as QuickQuid, about irresponsible lending. He then made a second complaint, saying he was unhappy about how QuickQuid treated him when he informed them of his financial difficulty.Only the complaint about how Q... (3 pages)View decision -
Decision Reference DRN-3702759
15 Nov 2022 J D Williams & Company Limited UpheldConsumer CreditDRN-3702759 The complaint Mr S complains that J D Williams & Company Limited (“J D Williams”), trading as Simply Be, irresponsibly granted him a catalogue shopping account he says he couldn’t afford to repay. What happened In September 2015 Mr S entered into an agreement with J D Willi... (3 pages)View decision -
Decision Reference DRN-5364502
24 Mar 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5364502 The complaint Miss K complains that NewDay Ltd trading as Aqua irresponsibly lent her money on a credit card. What happened Miss K took out an Aqua credit card in July 2020, with an initial credit limit of £250. In July 2021, Aqua increased the credit limit to £1,250. In 202... (3 pages)View decision -
Decision Reference DRN5586488
29 Jul 2015 WDFC UK Limited UpheldBanking and creditMiss S has complained that WDFC UK Limited lent to her irresponsibly. She also feels she was wrongly told the loans would improve her credit rating.backgroundIt appears that Miss S took out 38 loans from WDFC between 2011 and 2014, but that she only made very smal... (2 pages)View decision -
Decision Reference DRN-3166548
14 Mar 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3166548 The complaint Mr H, through his representative, complains that Madison CF UK Limited, lent to him irresponsibly. What happened Madison approved a loan of £1,500 for Mr H in June 2017. It was repayable over 24 months at just over £144 each month. Madison has told us that the bal... (3 pages)View decision -
Decision Reference DRN-4014790
11 Apr 2023 J D Williams & Company Limited Not upheldConsumer CreditDRN-4014790 The complaint Mr L complains that J D Williams & Company Limited (“J D Williams”), trading as Jacomo, irresponsibly granted him a catalogue shopping account he says he couldn’t afford to repay. What happened In May 2019 Mr L entered into an agreement with J D Williams to ha... (2 pages)View decision -
Decision Reference DRN8871207
14 May 2015 Mobile Money Limited Not upheldBanking and creditMr P complains that Mobile Money Limited (“MML”) did not check his credit file and bank statements before providing him with 12 loans from 2008 - 2014, and that it acted irresponsibly in providing him with these loans.backgroundMr P took out 12 loans with MML secure... (3 pages)View decision -
Decision Reference DRN-4949982
6 Aug 2024 Yorkshire Building Society Not upheldMortgagesDRN-4949982 The complaint Ms S has complained about irresponsible lending from her mortgage lender, Yorkshire Building Society trading as Chelsea Building Society and referred to here as YBS. Ms S is also unhappy that her mortgage remains on an interest-only rather than a capital repaym... (3 pages)View decision -
Decision Reference DRN-3803726
28 Nov 2022 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3803726 The complaint Ms F says The Royal Bank of Scotland Plc (RBS) irresponsibly lent to her. What happened Ms F applied for a credit card in February 2011. She was given a £6,300 credit limit. Ms F says she shouldn’t have been given this card, and her limit should never have been in... (3 pages)View decision
