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 DRN-4333659
13 Oct 2023 Nationwide Building Society UpheldConsumer CreditDRN-4333659 The complaint Ms D complains Nationwide Building Society irresponsibly provided her with two unaffordable personal loans. Ms D is represented on her complaint, but for ease I’ll refer to all submissions as though they are her own. What happened Nationwide provided Ms D with the... (4 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-3996788
9 Mar 2023 Lendable Ltd UpheldConsumer CreditDRN-3996788 The complaint Mr S complains that Lendable Ltd lent to him irresponsibly. What happened Mr S’s complaint is about a loan provided by Lendable. The loan was advanced in April 2022 for £5000 over a term of 60 months with monthly repayments of £107.90. Mr S says the lending was ir... (2 pages)View decision -
Decision Reference DRN-3080646
18 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3080646 The complaint Mr B complains of irresponsible lending by NewDay Ltd trading as Aqua. He would like any further action on his debt to be stopped pending our investigation What happened The details of this complaint are well known to both parties so I won’t repeat them again here... (2 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-2795418
4 May 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2795418 The complaint Mr D says Loans2Go Limited gave him loans that were unaffordable at extremely high interest rates. What happened Mr D took out seven loans from Loans2Go between December 2015 and July 2019. A summary of his borrowing follows. *top up of loan 2 Mr D says Loans2Go d... (3 pages)View decision -
Decision Reference DRN-4673536
13 Mar 2024 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-4673536 The complaint Miss J complains that Clydesdale Financial Services Limited trading as Barclays Partner Finance (“BPF”) shouldn’t have, in 2012, lent to her under a fixed sum loan agreement (“agreement”) because that agreement was unaffordable. What happened In May 2012 Miss J en... (6 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 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-3521323
25 Aug 2022 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-3521323 The complaint Mr B complains that Moneybarn No.1 Limited irresponsibly granted him credit under a conditional sale agreement he couldn’t afford to repay. What happened In April 2016 Mr B acquired a used car financed by a conditional sale agreement from Moneybarn. Mr B was requ... (3 pages)View decision
