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 DRN4044241
3 Oct 2019 TFS Loans Limited UpheldBanking and creditMr B has complained that TFS Loans Limited (“TFS”) irresponsibly provided him with an unaffordable guarantor loan. He says that he shouldn’t have been given the loan due to his situation and the risk that he posed bearing in mind his existing debt and gambling addiction. backgroundTFS prov... (12 pages)View decision -
Decision Reference DRN-4858636
18 Jun 2024 Madison CF UK Limited UpheldConsumer CreditDRN-4858636 The complaint Mr T complains that Madison CF UK Limited trading as 118 118 Money (“118 118”) irresponsibly agreed a loan for him. What happened 118 118 agreed a loan of £1,500 for Mr T in June 2023. The total amount owed was £2,622.96 to be repaid at £109.29 a month over 24 mon... (4 pages)View decision -
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-5705473
4 Dec 2025 Plata Finance Limited Not upheldConsumer CreditDRN-5705473 The complaint Plata Finance Limited provided Mr B with a £2,000 loan in December 2024. Mr B says the credit was provided irresponsibly. What happened The details of this complaint are well-known to both parties, so I won’t repeat them again here. The facts aren’t in dispute... (2 pages)View decision -
Decision Reference DRN-5204552
8 Jan 2025 Home Retail Group Card Services Limited Not upheldConsumer CreditDRN-5204552 The complaint Mr H complains that Home Retail Group Card Services Limited trading as Argos Card was irresponsible in its lending to him. What happened Mr H was provided with an Argos credit card in April 2020 with an initial credit limit of £1,350. The credit limit was incre... (3 pages)View decision -
Decision Reference DRN-2861922
17 Sep 2021 Morses Club PLC UpheldConsumer CreditDRN-2861922 The complaint Mr G says Morses Club PLC lent to him irresponsibly. He says that he was in a debt spiral and so he couldn’t afford the short-term loans. He says that Morses should have made better checks into his financial circumstances, found out about this and not lent to him.... (4 pages)View decision -
Decision Reference DRN-5601312
24 Jun 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5601312 The complaint Mr N complains that Capital One (Europe) plc (“Capital One”) acted irresponsibly in giving him a credit card with a £200 credit limit and stopped taking repayments from his pre-paid credit card which resulted in a County Court Judgement (CCJ) against him for ... (3 pages)View decision -
Decision Reference DRN-2983164
1 Nov 2021 Everyday Lending Limited UpheldConsumer CreditDRN-2983164 The complaint Mrs M complains Everyday Lending Limited (trading as George Banco.com) irresponsibly lent to her as it didn’t complete reasonable and proportionate checks. What happened Mrs M was accepted for three loans with George Banco between May 2014 and October 2015: Date ... (3 pages)View decision -
Decision Reference DRN-4222465
3 Jul 2023 Madison CF UK Limited UpheldBanking and PaymentsDRN-4222465 The complaint Mr A complains that the default recorded by Madison CF UK Limited trading as 118118 Money hasn’t been removed completely from his credit report. What happened Mr A’s credit card account with 118118 Money went into default. He initially raised a complaint saying th... (3 pages)View decision -
Decision Reference DRN-3780582
13 Dec 2022 Next Retail Limited UpheldConsumer CreditDRN-3780582 The complaint Miss U says Next Retail Limited (“Next”) irresponsibly lent to her. She has requested that the interest and late payment charges she paid on the account she had be refunded. What happened This complaint is about a catalogue shopping account provided by Next to Mis... (3 pages)View decision