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 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-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 DRN-4708497
11 Apr 2024 Madison CF UK Limited UpheldBanking and PaymentsDRN-4708497 The complaint Mr J complains that Madison CF UK Limited (trading as 118 118 Money) was irresponsible to lend to him and provided poor customer service. What happened Mr J was approved for a credit card with 118 118 Money in May 2021. This was followed by a credit limit increase... (3 pages)View decision -
Decision Reference DRN-1773299
11 Dec 2020 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-1773299 The complaint Mrs S is unhappy that Capital One (Europe) plc igave her a credit card with a credit limit of £300 in May 2018. Mrs S believes that this was an instance of irresponsible lending, as Capital One (Europe) plc did not conduct appropriate checks, which would have demo... (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 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-4949259
16 Aug 2024 Santander UK Plc Not upheldConsumer CreditDRN-4949259 The complaint Mr I complains about Santander UK Plc reporting defaults on his credit file in relation to two credit card accounts and a loan account. What happened Briefly, Mr I complained to Santander that it had lent to him irresponsibly in relation to three accounts. He t... (2 pages)View decision -
Decision Reference DRN-3246973
25 Mar 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3246973 The complaint Miss B complains that Madison CF UK Limited trading as 118118 Money (“MCF”) lent to her in an irresponsible manner. What happened Miss B was given a loan by MCF in December 2019. She borrowed £1,500 and agreed to repay the loan in 18 monthly instalments. Miss B ap... (3 pages)View decision -
Decision Reference DRN-4023555
27 Apr 2023 Everyday Lending Limited Not upheldConsumer CreditDRN-4023555 The complaint Mr S complains Everyday Lending Limited trading as Everyday Loans (ELL) lent to him irresponsibly. He’s also said they’re reporting incorrect data on his credit file. What happened The details of this complaint are well-known to both parties, so I won’t repeat the... (2 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
