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-3519700
8 Jun 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3519700 The complaint Mr N says that National Westminster Bank Plc (“NatWest”) lent to him irresponsibly and took advantage by applying extremely high interest and overdraft charges. What happened One of our adjudicators looked into Mr N’s concerns and didn’t think NatWest had done any... (4 pages)View decision -
Decision Reference DRN-5473178
3 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5473178 The complaint Mrs M complains that NewDay Ltd, trading as Amazon Credit Card, made an irresponsible lending decision when they issued her with a credit card. Mrs M is represented in this complaint, but I’ll refer to her as it’s her complaint. What happened In March 2020, Mr... (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 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-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-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 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
