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-3465666
6 May 2022 Barclays Bank UK PLC Not upheldConsumer CreditDRN-3465666 The complaint Mr K complains that Barclays Bank UK PLC made an irresponsible lending decision when it provided him with a loan. And it’s failed to treat him fairly when he’s later found himself in financial difficulties. What happened Mr K took out a personal loan with Barclays... (4 pages)View decision -
Decision Reference DRN-4206833
29 Jun 2023 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4206833 The complaint Mr J complains that Lloyds Bank PLC lent to him irresponsibly. What happened Mr J applied for a credit card account in June 2009. Lloyds approved the application and opened the account with an initial credit limit of £2000. The credit limit was increased to £2550 ... (3 pages)View decision -
Decision Reference DRN6360327
29 Mar 2019 Casheuronet UK LLC UpheldBanking and creditMr S says CashEuroNet UK LLC, trading as QuickQuid, lent to him irresponsibly.backgroundMr S had two payday loans with QuickQuid. I’ve set out some of the details QuickQuid provided about the loans in the table below.Loan no.AmountStart dateEnd dateOriginal repayment s... (3 pages)View decision -
Decision Reference DRN-4718862
28 Jun 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4718862 The complaint Mr C complains that Barclays Bank UK PLC, trading as Barclaycard (‘Barclaycard’), irresponsibly granted him a credit card he couldn’t afford to repay. What happened In or around January 2021 Mr C entered into an agreement with Barclaycard to have access to credit ... (3 pages)View decision -
Decision Reference DRN7271726
5 Aug 2019 Ascent Performance Group Limited Not upheldBanking and creditMr H complains that Ascent Performance Group Limited (“Ascent”) mis-handled their collection of a debt from him. backgroundAscent took responsibility for collecting a debt from Mr H in 2014. The debt had originally been incurred with a company I’ll call “S”. Mr H says that at the time he w... (3 pages)View decision -
Decision Reference DRN6557961
26 Mar 2020 National Westminster Bank Plc UpheldBanking and creditComplaintMr W has complained about the overdraft facility on his National Westminster Bank Plc (“NatWest”) Select Platinum (initially Advantage Gold) packaged bank account. In essence, he’s unhappy with the charges applied to his overdraft and believes they’ve exacerbated his financial dif... (13 pages)View decision -
Decision Reference DRN-4436604
7 Nov 2023 My Finance Club Limited Not upheldConsumer CreditDRN-4436604 The complaint Mr O complains that My Finance Club Limited (“MFC”) lent to him irresponsibly in relation to seven loans over two years. Mr O complains that the difficulties he has had repaying loan 7 has led to the outstanding balance increasing from £496 to £700 and he thinks t... (7 pages)View decision -
Decision Reference DRN3343157
26 Apr 2019 Loans 2 Go Limited UpheldBanking and creditMr J has complained about five logbook loans provided which were provided to him by Loans 2 Go Limited (“L2G”). He says it was irresponsible for L2G to give him these loans as his credit file would’ve shown defaults, missed and late payments and several payday loa... (19 pages)View decision -
Decision Reference DRN-1304228
18 Apr 2020 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-1304228 The complaintMr F’s complaint is about being given a new credit card instead of being approved for a temporary credit limit increase on an existing card. The details of this complaint are well known to both parties, so I will not repeat them again here. Instead, I will focus on... (1 page)View decision -
Decision Reference DRN-3583709
25 Jul 2022 Lendable Ltd Not upheldConsumer CreditDRN-3583709 The complaint Mr M complains through his representative that Lendable Ltd lent him money irresponsibly on a high cost loan that he couldn’t afford to repay. What happened Lendable provided Mr M with a loan on 17 February 2020 for £3,300, repayable over 60 months at the rate of ... (3 pages)View decision
