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 17876 results
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Decision Reference DRN-4601483
14 Mar 2024 Lendable Ltd Not upheldConsumer CreditDRN-4601483 The complaint Mr K complains that Lendable Ltd lent irresponsibly when it approved a loan application he made. What happened Mr K applied for a loan of £10,000 plus fees of £590 in April 2021. In his application, Mr K said he was employed full time with an income of £2,796 a m... (3 pages)View decision -
Decision Reference DRN-4430995
11 Mar 2024 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-4430995 The complaint Mr P complains that Mitsubishi HC Capital UK plc, trading as Novuna Personal Finance, won’t refund to him the money that he paid for some holiday club membership point rights. He’s being represented in his complaint by a legal adviser. What happened Mr P and his w... (6 pages)View decision -
Decision Reference DRN-4103701
17 Jan 2024 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-4103701 The complaint Mrs R complains that Mitsubishi HC Capital UK plc, trading as Novuna Personal Finance, won’t refund to her the money that she paid for some holiday club membership point rights. Her partner is also involved in her complaint and she’s being represented by a legal a... (6 pages)View decision -
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 DRN-1601674
20 Mar 2020 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-1601674Complaint Ms C complains that a debt Cabot Credit Management Group Limited (“Cabot”) are pursuing her for is unenforceable and it has been aggressive when chasing her for it. Ms C has been represented by a third party in this complaint but for ease I will refer to Ms C throughou... (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-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 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-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 DRN-4197126
12 Jul 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4197126 The complaint Mr P complains that Barclays Bank UK PLC trading as Barclaycard irresponsibly issued, and increased the credit limit on, a credit card to him, on which he couldn’t afford the payments. What happened Mr P was provided with a credit card by Barclaycard in October 20... (5 pages)View decision
