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 21091 results
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Decision Reference DRN-5514777
12 Aug 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5514777 The complaint Miss O complains that National Westminster Bank Public Limited Company (NatWest) irresponsibly lent to her. What happened Miss O was approved for a NatWest credit card in August 2024 with a £1,900 credit limit. Miss O says she already had a credit card with ano... (2 pages)View decision -
Decision Reference DRN-3806792
13 Dec 2022 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-3806792 The complaint Mrs S complains Tesco Personal Finance PLC, trading as Tesco Bank lent to her irresponsibly. What happened Mrs S applied for a Tesco Bank credit card online in September 2017. Tesco Bank approved Mrs S’ application with a £3,200 credit limit. Mrs S transferred a £... (2 pages)View decision -
Decision Reference DRN7231183
16 Jun 2016 Lending Stream Llc UpheldBanking and creditMiss J complains that Lending Stream Llc didn’t carry out proper affordability checks and irresponsibly granted her unaffordable short term loans. She wants the balance written off, charges and interest refunded, compensation and her credit file amended.backgroundLendin... (2 pages)View decision -
Decision Reference DRN3037069
4 Feb 2020 S.D. Taylor Limited UpheldBanking and creditMrs C complains that SD Taylor Limited, trading as ‘loansathome4u’, lent to her irresponsibly in 2008. They were three home-collected credit loans. Mrs C raised her complaint with SD Taylor in March 2017. backgroundUsing the information I have received from SD Taylor and Mrs C I have done ... (6 pages)View decision -
Decision Reference DRN-2019618
2 Dec 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2019618 The complaint Ms A says that she did not receive visits from a Provident agent regularly at times. This made it harder to repay her loans. She also says that Provident Personal Credit Limited lent to her irresponsibly. I’ve looked at this part of her complaint separately. What ... (2 pages)View decision -
Decision Reference DRN-3577915
29 Jul 2022 Advantage Finance Ltd Not upheldConsumer CreditDRN-3577915 The complaint Mr M and Mrs M complain that Advantage Finance Ltd irresponsibly granted them two hire purchase agreements they couldn’t afford to repay. What happened In August 2014, Mr M and Mrs M acquired a used car financed by a hire purchase agreement (Agreement 1) from Adva... (3 pages)View decision -
Decision Reference DRN8426941
17 Dec 2018 Elevate Credit International Limited UpheldBanking and creditMiss G has complained about short-term loans granted to her by Elevate Credit International Limited trading as Sunny.Miss G complained to Sunny that it didn’t carry out appropriate affordability checks and so lent irresponsibly to her. In response to our earlier findi... (23 pages)View decision -
Decision Reference DRN7709711
4 Jul 2014 NRAM plc Not upheldBanking and creditMiss A and Mr B have complained about irresponsible lending by NRAM plc when it granted them a mortgage in 2007. The complaint has been conducted by Mr B on behalf of himself and Miss A.backgroundIn August 2007 Miss A and Mr B took out a ‘Together’ mortgage with NRAM. Against a purchase ... (2 pages)View decision -
Decision Reference DRN-2887083
14 Feb 2022 Bamboo Limited UpheldConsumer CreditDRN-2887083 The complaint Mr R complains Bamboo Limited (trading as Bamboo Loans) lent to him irresponsibly. What happened In March 2015 Mr R applied for, and was given a guarantor loan for £5,000, which was repayable over a period of 48 months. Bamboo paid the loan funds to the guarantor ... (3 pages)View decision -
Decision Reference DRN-1034275
7 May 2020 PayPal Europe Sarl & Cie, SCA Not upheldBanking and PaymentsDRN-1034275 The complaintMr W complains that PayPal Europe Sarl & Cie, SCA registered a default on his credit file in relation to his credit account. Mr W made an earlier complaint about irresponsible lending, which isn't dealt with here.What happenedIn December 2017, Mr W applied... (2 pages)View decision