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 21242 results
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Decision Reference DRN-3066949
16 Dec 2021 Oakbrook Finance Limited Not upheldConsumer CreditDRN-3066949 The complaint Mr C says OAKBROOK FINANCE LIMITED trading as Likely Loans irresponsibly lent to him. What happened In July 2017 Mr C applied to Oakbrook for a loan. He borrowed £1,800 repayable by 24 monthly instalments of £124.40. The APR was 69.94%. The loan was repaid in full... (3 pages)View decision -
Decision Reference DRN-4946827
14 Aug 2024 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-4946827 The complaint Miss B, through her representative, complains that Capital One (Europe) plc, a credit card company, lent to her by approving the credit card and then increasing the credit limit when she could not afford it. What happened Miss B applied for the credit card with... (3 pages)View decision -
Decision Reference DRN-2019618
2 Dec 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2019618 The complaint Ms A says that she did not receive visits from a Provident agent regularly at times. This made it harder to repay her loans. She also says that Provident Personal Credit Limited lent to her irresponsibly. I’ve looked at this part of her complaint separately. What ... (2 pages)View decision -
Decision Reference DRN-3893493
11 Jan 2023 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3893493 The complaint Mr H says Vanquis Bank Limited (‘Vanquis’) irresponsibly lent to him. What happened This complaint is about a credit card account Vanquis provided. The account was opened in April 2014. Mr H was given an initial credit limit of £500. This limit was increased on 11... (3 pages)View decision -
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 DRN6641088
14 Apr 2020 S.D. Taylor Limited UpheldBanking and creditMrs T complains about irresponsible lending for home credit loans approved for her by SD Taylor Limited. She says that “They did not take the correct actions to ensure the loans were affordable and stop lending. I was in a lot of debt and they kept offering these loans.”backgroundMrs T com... (4 pages)View decision -
Decision Reference DRN-5873621
9 Oct 2025 Lendable Ltd Not upheldConsumer CreditDRN-5873621 The complaint Mr S complains that Lendable Ltd was irresponsible to lend to him on two occasions, and made an error by not collecting a payment. What happened Lendable agreed two loans for Mr S in 2024. The first was for £8,000 agreed in January 2024. The total amount owed ... (5 pages)View decision -
Decision Reference DRN-6095879
5 Feb 2026 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-6095879 The complaint Ms W complains that Clydesdale Bank Plc trading as Virgin Money lent irresponsibly when it approved her credit card application. What happened Ms W applied for a Virgin Money credit card in July 2023. In her application, Ms W said she was employed full time wi... (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 DRN-2968331
11 Aug 2021 Carcashpoint Limited UpheldConsumer CreditDRN-2968331 The complaint Mr W says CarCashPoint Limited lent to him irresponsibly. What happened Mr W borrowed £850 from CarCashPoint on 23 December 2014. The loan had a 156-week term, the weekly repayments were £25.07 and the total repayable was £3910.93. As Mr W was unable to make his r... (3 pages)View decision