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-4195614
19 Jul 2023 Ls Claims Ltd UpheldClaims ManagementDRN-4195614 The complaint Mrs T complains that Ls Claims Ltd trading as Ingram Toft (Ingram Toft) failed to pursue an unaffordable/irresponsible lending claim on her behalf after it was rejected by her lender. What happened In May 2021 Mrs T said she instructed Ingram Toft to act on her be... (3 pages)View decision -
Decision Reference DRN4872412
12 Nov 2015 Barclays Bank Plc Not upheldBanking and creditMr L complains that Barclays Bank Plc (“Barclays”) acted irresponsibly when it lent to him.backgroundIn December 2012, Mr L took out a loan with Barclays for £10, 900. That loan was restructured in November 2014 and Mr L borrowed £9, 500 with an APR of 14.9%. He then... (2 pages)View decision -
Decision Reference DRN-2241916
13 Nov 2020 Western Circle Ltd UpheldConsumer CreditDRN-2241916 The complaint Miss T says Western Circle Ltd trading as Cashfloat didn’t act in a timely manner when she told it that she was in financial difficulty. Because of this additional interest and charges were added to her account. She feels that these should be refunded to her. Miss... (3 pages)View decision -
Decision Reference DRN-1951287
29 Jul 2020 MYJAR Limited Not upheldConsumer CreditDRN-1951287 The complaintMr S says MYJAR Limited lent to him irresponsibly.What happenedMr S took out a £175 loan with MYJAR in August 2018. The loan was scheduled to be repaid in six instalments but I understand it is still outstanding. An adjudicator considered Mr S’s complaint but didn... (2 pages)View decision -
Decision Reference DRN-5114335
14 Apr 2025 Madison CF UK Limited UpheldBanking and PaymentsDRN-5114335 The complaint Mr D complains Madison CF UK Limited trading as 118 118 Money (“118”) lent to him irresponsibly and sent him malicious communications. What happened In January 2024 Mr D was given a credit card by 118 with a limit of £500. Then in April 2024 he was given a loa... (3 pages)View decision -
Decision Reference DRN7966728
22 Apr 2013 Lombard Vehicle Management (1) Limited UpheldBanking and creditMr B is represented by his parents. Mr B’s parents complain that Lombard engaged in irresponsible lending in relation to a conditional sale agreement on a new car. Mr B has been diagnosed with Asperger’s syndrome and says he was unduly pressured into the purchase by a third party. Mr B... (4 pages)View decision -
Decision Reference DRN7844673
17 Apr 2019 Barclays Bank UK PLC Not upheldBanking and creditMrs G complains that Barclays Bank UK Plc increased the limits on her two credit cards in 2013. She believes it was irresponsible lending. backgroundcredit card account ending in 4Mrs G opened this credit card account in 2009. The limit increased in October 2013 from... (2 pages)View decision -
Decision Reference DRN8037662
5 Oct 2017 Madison CF UK Limited Not upheldBanking and creditMr S entered into a 12 month fixed term loan agreement in December 2014 with Madison CF UK Limited (trading as 118 118 Money). He complains that 118 118 lent to him irresponsibly. He wants this loan to be removed from his credit file, and all interest charged to be ... (3 pages)View decision -
Decision Reference DRN8249532
5 Jun 2018 Everyday Loans Limited Not upheldBanking and creditMr S is unhappy with the collections activity on his loan with Everyday Loans Limited. backgroundMr S contacted Everyday Loans on 4 October 2017 – further to a complaint his professional representatives made about irresponsible lending. He asked for his account to be pla... (2 pages)View decision -
Decision Reference DRN2052498
27 Mar 2020 Provident Personal Credit Limited UpheldBanking and creditMr G complains that Provident Personal Credit Limited was irresponsible when it provided three loans to him between 2006 and 2010.backgroundMr G took three home collected credit loans with Provident between November 2006 and November 2010. This means that a Provident agent attended at Mr G... (3 pages)View decision
