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 DRN-4199122
21 Jun 2023 My Finance Club Limited UpheldConsumer CreditDRN-4199122 The complaint Mr M complains that My Finance Club Limited lent to him when he could not afford it. Mr M also complains about the way he was treated and he says that the management of his loan accounts was poor. Mr M is not content about the way his complaint was handled by My F... (11 pages)View decision -
Decision Reference DRN-4603898
26 Mar 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4603898 The complaint Miss B complains that Vanquis Bank Limited irresponsibly lent to her. What happened Miss B applied for a credit card from Vanquis in February 2019. It gave her a £1,000 credit limit and increased this to £1,750 in June 2021, to £2,500 in July 2022, to £3,500 in No... (3 pages)View decision -
Decision Reference DRN-3944428
3 Mar 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3944428 The complaint Miss P says Barclays Bank UK PLC trading as Barclaycard lent to her irresponsibly and it failed to provide her with the necessary support when she experienced financial difficulties. What happened The facts of the complaint are well known to both parties, so I wil... (4 pages)View decision -
Decision Reference DRN-2944391
17 Aug 2021 Stagemount Limited Not upheldConsumer CreditDRN-2944391 The complaint Miss M says Stagemount Limited trading as Quid Market lent to her irresponsibly. She says that she had a significant amount of other debt when Quid Market approved these loans. This was caused, in part, by a medical condition that could lead to compulsive spending... (3 pages)View decision -
Decision Reference DRN-3492393
23 May 2022 Studio Retail Limited Not upheldConsumer CreditDRN-3492393 The complaint Ms C complains that Studio Retail Limited (‘Studio Retail’) irresponsibly gave her a running account credit facility that she couldn’t afford. What happened On 22 September 2016, Ms C applied for a credit account with Studio Retail. She was given an initial credit... (2 pages)View decision -
Decision Reference DRN9516757
25 Mar 2021 The Royal Bank of Scotland Plc Not upheldBanking and creditComplaint Mrs W has complained about the way that overdraft charges were applied on her The Royal Bank of Scotland Plc (“RBS”) bank account. In essence, she’s said RBS continued applying these charges and didn’t help her when it was apparent that she was living in her overdraft and unable ... (15 pages)View decision -
Decision Reference DRN-3963180
17 Feb 2023 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-3963180 The complaint Mr R1, represented by Mr R2, says Tesco Personal Finance PLC, trading as Tesco Bank, irresponsibly lent to him. For ease of reading, I will refer to all points made by Mr R2 as being from Mr R1 and I will refer to Mr R1 as Mr R throughout this decision. What happe... (3 pages)View decision -
Decision Reference DRN-3506676
22 Jun 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3506676 The complaint Mr J complains that Everyday Lending Limited, trading as Everyday Loans, lent to him irresponsibly. Mr J also complains that the Everyday Lending representatives pressurised him into increasing a loan he had applied for from £1,500 to £3,000. Mr J says that as a r... (6 pages)View decision -
Decision Reference DRN-2836379
28 May 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2836379 The complaint Mr B complains that Barclays Bank UK Plc (Barclays) sent him a new credit card after he’d informed it about his gambling problems. What happened I’ve already issued a provisional decision on this case, setting out the background and what I was minded to conclude: ... (5 pages)View decision -
Decision Reference DRN-3596621
14 Jul 2022 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-3596621 The complaint Mr B, who is represented by a third party, says Shop Direct Finance Company Limited (“Shop Direct”) irresponsibly lent to him. What happened Mr B opened two shopping accounts with Shop Direct, both opened in November 2014. The first account – Account A – was with ... (3 pages)View decision
