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 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-2722890
30 Mar 2021 Bamboo Limited Not upheldConsumer CreditDRN-2722890 Complaint Mr R has complained about a guarantor loan Bamboo Limited (“Bamboo”) provided to him. He says Bamboo didn’t check his bank statements which would have shown the loan wasn’t affordable. Background to the complaint and my provisional decision of 19 March 2021 One of our... (3 pages)View decision -
Decision Reference DRN-2476917
27 Jan 2021 Morses Club PLC Not upheldConsumer CreditDRN-2476917 The complaint Mr F says Morses Club PLC lent to him irresponsibly. He says the loans were not approved in the right way and no affordability checks were carried out. He thinks Morses shouldn’t have lent to him. What happened This complaint is about three home collected loans Mo... (2 pages)View decision -
Decision Reference DRN-3830627
7 Jan 2023 Salad Finance Limited Not upheldConsumer CreditDRN-3830627 The complaint Miss P complains that Salad Finance Limited lent irresponsibly when it approved a loan. What happened Miss P applied for a loan with Salad Finance in August 2021. Salad Finance approved the application and gave Miss P a loan for £1000 over a term of 12 months with... (2 pages)View decision -
Decision Reference DRN6010222
23 Dec 2014 Barclays Bank Plc Not upheldBanking and creditMr C complains Barclays Bank PLC (trading as Barclaycard) increased the limit on his credit card without his knowledge. He considers by doing this it led to him falling into financial difficulties.backgroundBetween 2006 and 2008 Barclaycard increased the credit limit on Mr C’s credit card... (2 pages)View decision -
Decision Reference DRN3037069
4 Feb 2020 S.D. Taylor Limited UpheldBanking and creditMrs C complains that SD Taylor Limited, trading as ‘loansathome4u’, lent to her irresponsibly in 2008. They were three home-collected credit loans. Mrs C raised her complaint with SD Taylor in March 2017. backgroundUsing the information I have received from SD Taylor and Mrs C I have done ... (6 pages)View decision -
Decision Reference DRN-2558484
4 Mar 2021 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2558484 The complaint Mr T says Provident Personal Credit Limited, trading as Satsuma Loans, irresponsibly lent to him. He says the loans contributed to his worsening debt situation and so Satsuma shouldn’t have lent to him. What happened This complaint is about two instalment loans Sa... (2 pages)View decision -
Decision Reference DRN-3587403
28 Sep 2022 NewDay Ltd UpheldConsumer CreditDRN-3587403 The complaint Miss K says NewDay Ltd irresponsibly lent to her. She has requested that not only should the interest and late payment charges she paid on the accounts be refunded but she also thinks the debt should be written off. What happened This complaint is about two accoun... (3 pages)View decision -
Decision Reference DRN-3148332
25 Feb 2022 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-3148332 The complaint Mr K complains that Moneybarn No. 1 Limited, trading as Moneybarn, irresponsibly granted him a loan he couldn’t afford to repay. What happened In January 2019, Mr K acquired a car and financed the deal through a conditional sale agreement with Moneybarn. Mr K was ... (2 pages)View decision
