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 19711 results
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Decision Reference DRN5436535
9 Aug 2019 UK Credit Limited UpheldBanking and creditMr B has complained that UK Credit Limited (“UK Credit”) irresponsibly provided him with an unaffordable guarantor loan. He says that he shouldn’t have been given the loan due to his situation and the risk that he posed bearing in mind his existing debt and gambling addiction. backgroundUK... (12 pages)View decision -
Decision Reference DRN9311576
29 Jan 2020 Elevate Credit International Limited Not upheldBanking and creditMiss P says Elevate Credit International Limited (‘ECI’) irresponsibly lent to her.backgroundThis complaint is about 16 instalment loans which ECI provided to Miss P between July 2016 and February 2017. Miss P complained the loans were not affordable or sustainable, so she concluded ECI ha... (2 pages)View decision -
Decision Reference DRN-4746284
3 Sep 2024 FUND OURSELVES LIMITED Not upheldConsumer CreditDRN-4746284 The complaint Miss S complains that FUND OURSELVES LIMITED (“FOL”) treated her poorly when she got into arrears, it offered no support and she feels she has been ignored. Miss S is not content that FOL has applied a default to the account, and the way that it corresponded wi... (4 pages)View decision -
Decision Reference DRN-5803267
18 Sep 2025 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-5803267 The complaint Miss G complains that Link Financial Outsourcing Limited (Link) hasn’t acted fairly when dealing with her account. What happened Miss G had a catalogue shopping account with a company I’ll refer to as J. Miss G’s account fell into arrears and J sold the account... (2 pages)View decision -
Decision Reference DRN-2476748
6 Jan 2021 TFS Loans Limited UpheldConsumer CreditDRN-2476748 Complaint Mr F has complained that TFS Loans Limited (“TFS Loans”) irresponsibly provided him with an unaffordable guarantor loan. He says that he shouldn’t have been given the loan as he had financial difficulties as well as a gambling addiction. Background TFS Loans provided... (10 pages)View decision -
Decision Reference DRN-3359926
28 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3359926 The complaint Mr L complains NewDay Ltd irresponsibly lent him two credit cards, and a loan. What happened Mr L took out the following: Aqua credit card in May 2015 with an initial limit of £100 Marbles credit card in December 2016 with an initial limit of £600 Marbles loan ... (5 pages)View decision -
Decision Reference DRN-5857262
20 Oct 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5857262 Complaint Mr G has complained about a credit card Barclays Bank UK PLC (trading as “Barclaycard”) provided to him. He says the credit card and the subsequent limit increases shouldn’t have been provided as they were unaffordable and caused his lending relationship to be unfa... (6 pages)View decision -
Decision Reference DRN-5702542
30 Sep 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5702542 The complaint HSBC UK Bank Plc provided Mr H with a credit card in January 2020. It had a credit limit of £10,000. Mr H says the credit card was provided irresponsibly. What happened The details of this complaint are well-known to both parties, so I won’t repeat them again ... (2 pages)View decision -
Decision Reference DRN-4480682
5 Dec 2023 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4480682 The complaint Mr S says Vanquis Bank Limited irresponsibly lent to him. What happened Mr S says Vanquis increased the limit on his credit card three times by large amounts which plunged him into debt. And he had not given his consent. Mr S opened his account in March 2017, he w... (3 pages)View decision -
Decision Reference DRN6183964
13 Sep 2018 Oakbrook Finance Limited Not upheldBanking and creditMr A complains that Oakbrook Finance Limited (“OFL”) engaged in irresponsible lending to him and relied on incorrect information on his credit file.backgroundMr A says OFL didn’t complete an income and expenditure form when he applied for his loan. He says he under... (2 pages)View decision
