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 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 DRN-5727176
7 Aug 2025 Commsave Credit Union Limited Not upheldConsumer CreditDRN-5727176 Complaint Mr M complains that Commsave Credit Union Limited (“Commsave”) is unfairly reporting adverse credit information about him to credit reference agencies. Background Mr M is complaining about a loan that Commsave provided to him in December 2022. The loan was for £7,... (3 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 -
Decision Reference DRN-2645124
1 Jul 2021 Hamsard 3225 Limited UpheldConsumer CreditDRN-2645124 The complaint Miss B says Hamsard 3225 Limited (“Hamsard”) lent to her irresponsibly. She said that proper affordability checks were not completed. She also says that the sheer amount of times that she needed to go back for more lending should have raised alarm bells and Hamsar... (18 pages)View decision -
Decision Reference DRN0589908
12 Oct 2020 Barclays Bank UK PLC UpheldBanking and creditComplaint Mrs F has complained about a series of unsecured personal loans that she was provided with by Barclays Bank UK PLC (“Barclays”). She says Barclays kept offering her a number of credit facilities as part of her account. She started off by taking a small manageable loan but was con... (22 pages)View decision -
Decision Reference DRN7701542
31 Mar 2020 Madison CF UK Limited Not upheldBanking and creditComplaintMr M’s complained about two personal loans Madison CF UK Limited (trading as “118 118 Money”) provided to him in May 2017 and March 2018. He says the loans were unaffordable and he already had a number of payday loans elsewhere at the time.BackgroundWhen it provided its file of pa... (2 pages)View decision -
Decision Reference DRN-3012812
29 Jul 2022 Studio Retail Limited Not upheldConsumer CreditDRN-3012812 The complaint Ms S complains that Studio Retail Limited lent to her irresponsibly. What happened Ms S applied for credit with Studio on in November 2017. The catalogue shopping account was opened with a credit limit of £100. Ms S says Studio should never have given her any cred... (2 pages)View decision -
Decision Reference DRN9169306
25 Oct 2019 Casheuronet UK LLC UpheldBanking and creditMr K complains that CashEuroNet UK LLC lent to him irresponsibly. At the time of the loan approval in February 2015 it traded as Pounds to Pocket. A name change means it trades more recently as OnStride. I will refer to it as CashEuroNet. backgroundMr K applied for one loan. CashEuroNet ap... (5 pages)View decision