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 DRN8305198
24 Sep 2014 Swift Advances Plc Not upheldBanking and creditMs K complains – through her representative – that Swift Advances plc (‘Swift’) unfairly made a loan to her.backgroundIn July 2007 Ms K (who was then aged 66 according to her passport and Swift’s records, but 61 according to her complaint form and her representative) took out a loan f... (1 page)View decision -
Decision Reference DRN-3126054
18 Feb 2022 J D Williams & Company Limited UpheldConsumer CreditDRN-3126054 The complaint Mrs P says J D Williams & Company Limited (“J D Williams”) irresponsibly lent to her. What happened This complaint is about a catalogue shopping account J D Williams provided. The account was opened in November 2015. Mrs P was given an initial credit limit of ... (3 pages)View decision -
Decision Reference DRN7892972
18 Mar 2020 Vanquis Bank Limited Not upheldBanking and creditMr F is complaining about irresponsible lending by Vanquis Bank Limited.backgroundMr F doesn’t think Vanquis should have increased his credit limit. Mr F wants a refund on the interest and late payments he’s incurred. He also wants arrangement markers removed from his credit file.Vanquis d... (1 page)View decision -
Decision Reference DRN-5360449
4 Mar 2025 J D Williams & Company Limited Not upheldConsumer CreditDRN-5360449 The complaint Mrs H complains J D Williams & Company Limited trading as Simply Be (JDW) won’t pay a refund for irresponsible lending on a store card directly to her. What happened Mrs H originally raised an irresponsible lending complaint to JDW. JDW accepted they’d irre... (4 pages)View decision -
Decision Reference DRN7913209
31 Jan 2020 Barclays Bank UK PLC Not upheldBanking and creditMrs C complains that Barclays Bank UK PLC, trading as Barclaycard, has lent to her irresponsibly and that it hasn’t treated her fairly. She’s being helped with her complaint by her representative.backgroundMrs C opened a credit card account with Barclaycard in April 1998 and she took out a... (3 pages)View decision -
Decision Reference DRN4448324
21 Apr 2015 Steven George Murray UpheldBanking and creditMr M complains that Steven George Murray (trading as Uncle Buck) irresponsibly lent him money. background Mr M took out a number of payday loans with Uncle Buck over about a five year period. Each time the original loan was rolled over and it took some time before... (2 pages)View decision -
Decision Reference DRN8353154
24 May 2019 Harvey & Thompson Limited UpheldBanking and creditMs R has complained about lending Harvey & Thompson Limited (H&T) provided to her in February 2010.backgroundI set out a detailed background to this complaint in my provisional decision which I’ve attached as an appendix to this final decision. I invited both p... (5 pages)View decision -
Decision Reference DRN-3255334
3 Feb 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3255334 The complaint Mr C complained that AvantCredit of UK, LLC lent to him irresponsibly and provided him with unaffordable lending. What happened AvantCredit provided a loan to Mr C as follows: Date taken Loan amount Term Typical monthly repayment Total amount repayable Date repaid... (4 pages)View decision -
Decision Reference DRN3470149
16 Jan 2019 Santander UK Plc UpheldBanking and creditMrs H (as administrator of the estate of Mrs N) complains about irresponsible lending by Santander UK plc.backgroundMrs N took out two loans and two credit cards with Santander. A complaint about one of the loans was made too late for the purpose of our rules, s... (4 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
