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 19751 results
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Decision Reference DRN-4675132
11 Mar 2024 Bank of Scotland Plc UpheldConsumer CreditDRN-4675132 The complaint Mr O is unhappy with Halifax, who is a trading name of Bank of Scotland plc. Mr O complains Halifax lent to him irresponsibly. What happened Mr O has made several complaints to Halifax about irresponsible lending. This decision only addresses his complaint about f... (6 pages)View decision -
Decision Reference DRN-3812127
5 Dec 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3812127 The complaint Miss M complains that Barclays Bank UK PLC trading as Barclaycard was irresponsible in its lending to her. What happened Miss M took out a credit card with Barclaycard in August 2012. The initial limit of £6,800 was reviewed and increased in December 2014 to £10,8... (3 pages)View decision -
Decision Reference DRN-3487003
11 Nov 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3487003 The complaint Miss G complains through her representative that AvantCredit of UK, LLC irresponsibly provided her with a high cost loan that she couldn’t afford to repay. What happened AvantCredit provided Miss G with a loan for £1,000 on 6 October 2015 repayable over 36 months ... (3 pages)View decision -
Decision Reference DRN-4949259
16 Aug 2024 Santander UK Plc Not upheldConsumer CreditDRN-4949259 The complaint Mr I complains about Santander UK Plc reporting defaults on his credit file in relation to two credit card accounts and a loan account. What happened Briefly, Mr I complained to Santander that it had lent to him irresponsibly in relation to three accounts. He t... (2 pages)View decision -
Decision Reference DRN-4023555
27 Apr 2023 Everyday Lending Limited Not upheldConsumer CreditDRN-4023555 The complaint Mr S complains Everyday Lending Limited trading as Everyday Loans (ELL) lent to him irresponsibly. He’s also said they’re reporting incorrect data on his credit file. What happened The details of this complaint are well-known to both parties, so I won’t repeat the... (2 pages)View decision -
Decision Reference DRN-5857859
7 Oct 2025 Everyday Lending Limited Not upheldConsumer CreditDRN-5857859 The complaint Everyday Lending Limited trading as Everyday Loans provided Mr A with a £3,100 loan in January 2022. It had a 36-month term and Mr A says the loan was provided irresponsibly. What happened The details of this complaint are well-known to both parties, so I won’... (2 pages)View decision -
Decision Reference DRN0369942
20 Dec 2018 Casheuronet UK LLC UpheldBanking and creditMiss W has complained about short-term loans granted to her by CashEuroNet UK LLC trading as Quick Quid (“Quick Quid” or “the lender”).Miss W says that Quick Quid’s loans were unaffordable for her and the lender should not have agreed to them. She says that it sho... (22 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 DRN6147516
1 May 2018 Amigo Loans Ltd Not upheldBanking and creditMr W complains that Amigo Loans Ltd engaged in irresponsible lending to him.backgroundMr W says Amigo shouldn’t have made loans to him. He says if it had looked into his finances in more detail it would’ve seen he was in a lot of debt which spiralled out of contro... (2 pages)View decision -
Decision Reference DRN-5501812
24 Apr 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5501812 The complaint Mrs B, via her husband who is acting as her representative, has complained that HSBC UK Bank Plc, acted irresponsibly when it provided her access to multiple forms of credit. Mrs B applied for a credit card, two loans and an overdraft facility from HSBC. This d... (5 pages)View decision
