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 19751 results
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Decision Reference DRN3816723
5 Mar 2018 Avantcredit Of Uk, Llc Not upheldBanking and creditMr G complains about irresponsible lending by AvantCredit of UK, LLC. He says it shouldn’t have given him a fixed-sum loan agreement when he’d already got other loans. He want’s all interest and fees refunded.backgroundMr G complains at the time AvantCredit made the loa... (2 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-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 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 DRN0281168
30 Sep 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr A complains that Lloyds TSB Bank plc has been irresponsible by agreeing to loans and overdraft facilities.backgroundLloyds TSB agreed to loan Mr A £2,800 in July 2010 which paid off his overdraft. Then, in October 2011, the bank loaned him almost £6,000 to pay off the existing loan a... (2 pages)View decision -
Decision Reference DRN-5002451
11 Sep 2024 Loans 2 Go Limited Not upheldConsumer CreditDRN-5002451 The complaint Ms F says Loans 2 Go Limited irresponsibly lent to her. What happened Ms F took out a 24-month instalment loan for £1,500 from Loans 2 Go on 27 January 2023. The monthly repayments were £202 and the total repayable was £4,848. Ms F says this loan with its high... (3 pages)View decision -
Decision Reference DRN5191592
14 Feb 2018 Shop Direct Finance Company Limited Not upheldBanking and creditMiss C complains that Shop Direct Finance Company Limited engaged in irresponsible lending in relation to her credit account.backgroundMiss C complained to SDF about this matter. And, being unhappy with its response, she complained to this service.Miss C says SDF added ... (2 pages)View decision -
Decision Reference DRN-5495489
18 Aug 2025 Vanquis Bank Limited Not upheldConsumer CreditDRN-5495489 The complaint Mr A complains that Vanquis Bank Limited (‘Vanquis’) irresponsibly agreed to lend to him by way of a loan agreement he couldn’t afford to repay. What happened In November 2022, Mr A took out a personal loan in the form of a fixed sum loan agreement with Vanqui... (3 pages)View decision -
Decision Reference DRN-4600109
30 Apr 2024 Santander UK Plc Not upheldConsumer CreditDRN-4600109 The complaint Mr S complains that Santander UK Plc lent to him irresponsibly. What happened Mr S applied on-line to Santander for a £10,000 loan on 18 August 2023. He supplied information on the application form, the loan was processed and approved. The total to pay over the th... (5 pages)View decision -
Decision Reference DRN-1835400
18 May 2020 Lloyds Bank PLC UpheldBanking and PaymentsDRN-1835400ComplaintMr D has complained about the overdraft on his Lloyds Bank PLC (“Lloyds”) bank account. He’s said that he had a gambling problem, between 2013 and 2018, which ought to have been apparent from his statements. And in these circumstances, it was unfair to lend to him, let ... (14 pages)View decision
