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.
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Decision Reference DRN-3577915
29 Jul 2022 Advantage Finance Ltd Not upheldConsumer CreditDRN-3577915 The complaint Mr M and Mrs M complain that Advantage Finance Ltd irresponsibly granted them two hire purchase agreements they couldn’t afford to repay. What happened In August 2014, Mr M and Mrs M acquired a used car financed by a hire purchase agreement (Agreement 1) from Adva... (3 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 DRN4257762
12 May 2020 Gain Credit LLC UpheldBanking and creditMr L complains that Gain Credit LLC, trading as Lending Stream and as Drafty, lent to him irresponsibly. backgroundGain Credit LLC altered its trading names – Lending Stream and Drafty – and so for this decision I refer to it as Drafty for convenience.Drafty offered a credit facility which... (4 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-4554360
20 Feb 2024 MBNA Limited Not upheldBanking and PaymentsDRN-4554360 The complaint Mr H complains that MBNA Limited was irresponsible to lend to him. What happened Mr H was approved for a credit card with MBNA on 23 June 2003. The initial credit limit was £500 and, although Mr H requested an increase to £2,000 in June 2004, this was declined. Th... (2 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 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 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-4333931
20 Sep 2023 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4333931 The complaint Mr S, who is represented in this complaint by his father, complained to Lloyds Bank PLC (“Lloyds”) in October 2022 about an overdraft facility that was provided in 2013. Mr S says Lloyds acted irresponsibly in providing him with overdraft facilities and that they ... (3 pages)View decision
