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-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 -
Decision Reference DRN-3805369
14 Nov 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3805369 The complaint Miss B complains that Everyday Lending Limited trading as Everyday Loans (Everyday) irresponsibly provided her with a high cost loan that she couldn’t afford to repay. What happened Everyday provided Miss B with a loan for £2,100 on 19 July 2017. This was repayabl... (3 pages)View decision -
Decision Reference DRN-4217854
29 Jun 2023 Cabot Financial (Europe) Limited Not upheldMortgagesDRN-4217854 The complaint Ms T’s complaint is about a secured loan she took out in 2007 with Lender W, which is now owned by Cabot Financial (Europe) Limited. Ms T’s representative has said: the loan was mis-sold because it was lent irresponsibly as it was not affordable. This is because ... (3 pages)View decision -
Decision Reference DRN-3709156
4 Oct 2022 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-3709156 The complaint Mrs H complains that Moneybarn No. 1 Limited trading as Moneybarn irresponsibly granted her a conditional sale agreement she couldn’t afford to repay. What happened In February 2019, Mrs H acquired a used car financed by a conditional sale agreement from Moneybarn... (2 pages)View decision -
Decision Reference DRN-2803591
7 May 2021 Bamboo Limited UpheldConsumer CreditDRN-2803591 The complaint Mr S complains that Bamboo Limited acted irresponsibly by granting him a loan that was unaffordable. What happened Mr S took out a single loan with Bamboo. Here’s a table showing loan details: Loan Date Taken Date Repaid Number of Monthly Instalments Loan Amount m... (5 pages)View decision -
Decision Reference DRN0331929
24 Jun 2014 Cfo Lending Limited UpheldBanking and creditMr H complains that CFO Lending Limited continued to chase him for repayment of a debt despite being told it had been included in a County Court Administration Order. backgroundMr H took out a loan with CFO. He deferred repayment of the loan on seven occasions and the County Court added... (2 pages)View decision -
Decision Reference DRN-4387380
28 Feb 2024 Next Retail Limited Not upheldConsumer CreditDRN-4387380 The complaint Miss N complains that Next Retail Limited trading as Next Online (“Next”) lent to her irresponsibly. What happened In April 2017 Miss N applied for an account with Next which was granted with a credit limit of £150. In October 2017, the credit limit was increase... (3 pages)View decision -
Decision Reference DRN1612912
3 Feb 2016 DJS (UK) Limited Not upheldBanking and creditMr H complains that DJS (UK) Limited (trading as Piggybank) was irresponsible to lend him money so it should refund interest and charges.backgroundIn 2015 Mr H took out a series of short term loans over a few months with Piggybank. He says Piggybank didn’t look at hi... (2 pages)View decision -
Decision Reference DRN3497820
11 Dec 2013 Barclays Bank Plc Not upheldBanking and creditMr G is unhappy that Barclays Bank Plc (trading as Goldfish) increased the limits on his credit card by £10,000.backgroundIn 1997 Mr G opened a Goldfish credit card account. Between 2003-2004 his credit limit was increased from £4,900 to £15,000 while his gross income was £20,000. Follo... (2 pages)View decision