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 DRN3283668
2 Jun 2016 Active Securities Limited UpheldBanking and creditMr S complains that Active Securities Limited (trading as 247 Moneybox) irresponsibly granted him payday loans when he was in financial difficulties. His continuous borrowing led to a spiral of debt. He wants the interest and charges refunded.backgroundOur adjudicator f... (2 pages)View decision -
Decision Reference DRN-3702759
15 Nov 2022 J D Williams & Company Limited UpheldConsumer CreditDRN-3702759 The complaint Mr S complains that J D Williams & Company Limited (“J D Williams”), trading as Simply Be, irresponsibly granted him a catalogue shopping account he says he couldn’t afford to repay. What happened In September 2015 Mr S entered into an agreement with J D Willi... (3 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 DRN-4776409
14 May 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4776409 The complaint Mrs M complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit on several occasions. Mrs M also complains that after she raised the irresponsible lending complaint NewDay closed ... (3 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-3166548
14 Mar 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3166548 The complaint Mr H, through his representative, complains that Madison CF UK Limited, lent to him irresponsibly. What happened Madison approved a loan of £1,500 for Mr H in June 2017. It was repayable over 24 months at just over £144 each month. Madison has told us that the bal... (3 pages)View decision -
Decision Reference DRN-1304228
18 Apr 2020 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-1304228 The complaintMr F’s complaint is about being given a new credit card instead of being approved for a temporary credit limit increase on an existing card. The details of this complaint are well known to both parties, so I will not repeat them again here. Instead, I will focus on... (1 page)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
