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 19738 results
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Decision Reference DRN-4760540
24 Apr 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4760540 The complaint Mrs T says Vanquis Bank Limited irresponsibly lent to her. What happened Mrs T applied for a credit card from Vanquis in August 2023. Her application was accepted and Vanquis gave her a £1,200 credit limit. Mrs T says Vanquis did not complete sufficient checks. It... (3 pages)View decision -
Decision Reference DRN6055776
24 Feb 2016 Casheuronet UK LLC Not upheldBanking and creditMr H complains that Casheuronet UK LLC (trading as Quick Quid) sent him marketing material to apply for another loan after he had complained about irresponsible lending.backgroundMr H explains that he made a complaint about irresponsible lending. As soon as that complaint... (2 pages)View decision -
Decision Reference DRN-4766913
8 Aug 2024 PRA Group (UK) Limited Not upheldConsumer CreditDRN-4766913 The complaint Miss J complains about PRA Group (UK) Limited’s decision to use a refund received after she made a successful irresponsible lending complaint to reduce an outstanding balance it previously agreed to write off. What happened In October 2022 PRA purchased a cred... (3 pages)View decision -
Decision Reference DRN2304467
19 Apr 2018 Shop Direct Finance Company Limited Not upheldBanking and creditMr G has complained Shop Direct Finance Company Limited lent to him irresponsibly. backgroundMr G opened an account with Shop Direct in November 2010 and was given a credit limit of £1,000. He doesn’t think Shop Direct should have opened an account for him. It should’... (3 pages)View decision -
Decision Reference DRN-1778548
31 Mar 2021 Everyday Lending Limited Not upheldConsumer CreditDRN-1778548 The complaint Mr B says Everyday Lending Limited (ELL) was irresponsible to offer him a loan. What happened Mr B says he applied by phone for a £10,000 loan to consolidate his existing debts in April 2019. ELL asked him to visit a branch to sign the paperwork and bring in recen... (2 pages)View decision -
Decision Reference DRN-4633985
4 Sep 2024 TRANSUNION INTERNATIONAL UK LIMITED Not upheldConsumer CreditDRN-4633985 The complaint Mr M complains that TransUnion International UK Limited (TransUnion) are reporting incorrect information on his credit file. What happened In May 2023, Mr M raised a dispute with TransUnion about two accounts showing on his credit file that he didn’t recognise... (3 pages)View decision -
Decision Reference DRN5655273
10 Apr 2014 AIB Group (UK) Plc Not upheldBanking and creditMr and Mrs T (and their daughter, Miss T) complain – through their representative – that AIB Group (UK) Plc (trading as First Trust Bank) (‘AIB’) was irresponsible in its lending to them.backgroundMr and Mrs T (and other family members) were longstanding customers of AIB. Since 2004 the... (1 page)View decision -
Decision Reference DRN-4611877
9 Feb 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4611877 The complaint Miss L complains that Bank of Scotland plc agreed to a number of overdrafts on her account (in quick succession), which were unaffordable for her What happened Miss L applied for, and Bank of Scotland agreed to, the following overdrafts: In March 2022, Bank of Sco... (4 pages)View decision -
Decision Reference DRN5137108
14 Feb 2017 Loans 2 Go Limited UpheldBanking and creditMr B complains that Loans 2 Go Limited sold him a loan he couldn’t afford because it didn’t do proper affordability checks. The loan was secured on his car, which was repossessed and sold for much less than it was worth.backgroundIn November 2014 Mr B borrowed a fo... (2 pages)View decision -
Decision Reference DRN-4104935
30 Jun 2023 Gain Credit LLC Not upheldConsumer CreditDRN-4104935 The complaint Miss B complains that Gain Credit LLC , trading as Lending Stream, lent to her irresponsibly. What happened Using information from Lending Stream and Miss B then here is a loan table: Loan Borrowed Date Amount Repayment schedule in agreement - monthly Total to pay... (4 pages)View decision
