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-3435865
25 Apr 2022 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-3435865 The complaint Miss M complains that Moneybarn No. 1 Limited irresponsibly granted her a conditional sale agreement she couldn’t afford to repay. Miss M is represented by family members but for ease of reference I have referred to Miss M throughout this decision. What happened I... (3 pages)View decision -
Decision Reference DRN-5290450
3 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5290450 Complaint Mr M has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided him with a credit card. He’s said that that this impacted on his position going forward and caused him ongoing difficulty. Background This complaint is about a credit card Vanquis ini... (3 pages)View decision -
Decision Reference DRN-4374262
31 Oct 2023 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-4374262 The complaint Mr L complains that Tesco Personal Finance PLC (trading as Tesco Bank) was irresponsible to lend to him. What happened Mr L was approved for two loans with Tesco between March 2019 and August 2021 as follows: Loan Date Amount Term Repayment Due Repaid 1 22 Mar 201... (4 pages)View decision -
Decision Reference DRN-3487890
20 May 2022 Home Retail Group Card Services Limited Not upheldConsumer CreditDRN-3487890 The complaint Mr M complains that Home Retail Group Card Services Limited trading as Argos Financial Services (‘Home Retail Group’) irresponsibly gave him a credit card account that he couldn’t afford. What happened On 10 December 2013, Mr M applied for a credit account with Ho... (3 pages)View decision -
Decision Reference DRN6587814
22 Aug 2018 WDFC UK Limited UpheldBanking and creditMiss H complains that WDFC UK Limited (trading as Wonga) gave her loans she could not afford. Miss H also complains that her personal details were taken when her account was accessed by an unauthorised user. backgroundMy provisional decision dated 20 July 2018 is attache... (19 pages)View decision -
Decision Reference DRN1699124
23 Apr 2019 NewDay Ltd Not upheldBanking and creditMr P complains that NewDay Ltd kept increasing his credit card limit even though he couldn’t afford to make the repayments.backgroundMr P tells us that NewDay Ltd increased his credit limit several times. In July 2014 it increased it to £1,000 and he thought that w... (2 pages)View decision -
Decision Reference DRN-5423558
23 May 2025 PayPal (Europe) S.à r.l et Cie, S.C.A. Not upheldBanking and PaymentsDRN-5423558 The complaint Miss L complains that PayPal (Europe) Sarl Et Cie Sca (“PayPal”) approved a credit account for her in 2022 when she could not afford it. What happened Miss L took a PayPal Credit account in March 2022 and the credit limit approved for her was £800. It’s a revol... (3 pages)View decision -
Decision Reference DRN-2443522
16 Jun 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2443522 The complaint Mr M complains that Vanquis Bank Limited should have monitored his account more closely to prevent him from entering a cycle of debt. What happened Mr M initially complained about irresponsible lending by Vanquis when it provided him with a credit card account and... (3 pages)View decision -
Decision Reference DRN-3843676
10 Jan 2023 Town & Country Legal Services LLP Not upheldConsumer CreditDRN-3843676 The complaint Mr P complains about the contact received from Town & Country Legal Services LLP (T&C) in relation to a debt it was seeking to collect. What happened Mr P had an account with another business (E) that instructed T&C to contact him to discuss repayment ... (3 pages)View decision -
Decision Reference DRN3973113
26 Jun 2019 Uncle Buck Finance LLP Not upheldBanking and creditMr T complains about Uncle Buck Finance LLP. He says his complaint is about: breach of complaints procedure harassment breach of written contract regarding a repayment plan attempts to ‘syphon’ money from him breach of the loan agreementMr T has also said his co... (6 pages)View decision
