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-3798922
28 Nov 2022 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-3798922 The complaint Mrs S complains that Mitsubishi HC Capital UK Plc, trading as Novuna Personal Finance, irresponsibly lent to her. What happened Mrs S took out a 60-month fixed sum loan for £12,500 from Novuna on 4 February 2018. The monthly repayments were £226.55 and the total r... (2 pages)View decision -
Decision Reference DRN-5153502
3 Dec 2024 Fluro Platform Limited Not upheldConsumer CreditDRN-5153502 The complaint Mr W says Fluro Platform Limited irresponsibly lent to him. What happened Mr W took out a loan for £20,000 over 60 months on 13 November 2023 for home improvements. The monthly repayments were £474.95 and the total repayable was £28,508.80. The loan is now part... (3 pages)View decision -
Decision Reference DRN-3051844
7 Oct 2021 Madison CF UK Limited UpheldConsumer CreditDRN-3051844 The complaint Mr G says Madison CF UK Limited (trading as 118 118 Money) lent to him irresponsibly. What happened Mr G took out a 12-month instalment loan for £1,500 on 8 March 2014 from 118 118 Money. The monthly repayment was £176.53 and the total repayable was £2,118.36. He ... (3 pages)View decision -
Decision Reference DRN-3812505
5 Dec 2022 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-3812505 The complaint Miss A complains that Capital One (Europe) plc lent irresponsibly when it approved her credit card. What happened Miss A applied for a credit card with Capital One in July 2021. Capital One approved the application and gave Miss A a credit card with an initial lim... (2 pages)View decision -
Decision Reference DRN-4921078
2 Aug 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4921078 The complaint Mr F complains that Monzo Bank Ltd (“Monzo”) acted irresponsibly by providing him with a flex running credit account. What happened In May 2023 Monzo granted Mr F an increased credit limit of £5,500. Mr F says that Monzo shouldn’t have granted him the increase... (3 pages)View decision -
Decision Reference DRN-4405343
17 Oct 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4405343 The complaint Mr E, represented by a third party, complains that NewDay Ltd trading as Aqua was irresponsible in its lending to him. What happened Mr E applied for an Aqua credit card in April 2013, and this was provided with an initial credit limit of £250. The credit limit wa... (3 pages)View decision -
Decision Reference DRN-3747410
12 Oct 2022 Progressive Money Limited UpheldConsumer CreditDRN-3747410 The complaint Ms M complains through her representative that Progressive Money Limited (PML) irresponsibly lent her money that she couldn’t afford to repay. What happened PML provided Ms M with a loan of £6,000 on 7 June 2017, repayable over 60 months at the rate of £266.25 a m... (3 pages)View decision -
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-4235919
12 Jul 2023 Nationwide Building Society UpheldBanking and PaymentsDRN-4235919 The complaint Miss E complains that Nationwide Building Society irresponsibly issued, and increased the credit limit on a credit card to her. What happened Miss E successfully applied to Nationwide for a credit card in January 2013. The initial credit limit was £2,800 and the c... (5 pages)View decision -
Decision Reference DRN-3145322
9 Dec 2021 Secure Trust Bank Plc Not upheldConsumer CreditDRN-3145322 The complaint Mr W complains that Secure Trust Bank Plc, trading as Moneyway, irresponsibly granted him a loan he couldn’t afford to repay. What happened In July 2014, Mr W acquired a car. He financed the deal through a hire purchase agreement with Moneyway. Mr W was required t... (2 pages)View decision
