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
-
Decision Reference DRN-3654658
15 Nov 2022 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-3654658 The complaint Ms T complains that Capital One (Europe) plc (“Capital One”) irresponsibly provided her with credit she couldn’t afford to repay. What happened Capital One approved a credit card application for Ms T in November 2021. They provided a credit limit of £200 and that ... (2 pages)View decision -
Decision Reference DRN-4949259
16 Aug 2024 Santander UK Plc Not upheldConsumer CreditDRN-4949259 The complaint Mr I complains about Santander UK Plc reporting defaults on his credit file in relation to two credit card accounts and a loan account. What happened Briefly, Mr I complained to Santander that it had lent to him irresponsibly in relation to three accounts. He t... (2 pages)View decision -
Decision Reference DRN-2220325
18 Dec 2020 Oakam Ltd UpheldConsumer CreditDRN-2220325 The complaint Mrs M (via the way of a representative) complains Oakam Ltd (Oakam) irresponsibly provided her with a number of instalment loans. She says Oakam didn’t carry out sufficient checks. What happened Our adjudicator thought Mrs M’s complaint should be partially upheld.... (19 pages)View decision -
Decision Reference DRN-4708497
11 Apr 2024 Madison CF UK Limited UpheldBanking and PaymentsDRN-4708497 The complaint Mr J complains that Madison CF UK Limited (trading as 118 118 Money) was irresponsible to lend to him and provided poor customer service. What happened Mr J was approved for a credit card with 118 118 Money in May 2021. This was followed by a credit limit increase... (3 pages)View decision -
Decision Reference DRN-5335289
5 Mar 2025 Madison CF UK Limited Not upheldBanking and PaymentsDRN-5335289 The complaint Mr O complains that Madison CF UK Limited trading as 118 118 Money was irresponsible in its lending to him. What happened In 2019, 118118 Money provided Mr O with a credit card account. He said that at the time he was experiencing financial difficulties and his... (3 pages)View decision -
Decision Reference DRN-1773299
11 Dec 2020 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-1773299 The complaint Mrs S is unhappy that Capital One (Europe) plc igave her a credit card with a credit limit of £300 in May 2018. Mrs S believes that this was an instance of irresponsible lending, as Capital One (Europe) plc did not conduct appropriate checks, which would have demo... (3 pages)View decision -
Decision Reference DRN-4023555
27 Apr 2023 Everyday Lending Limited Not upheldConsumer CreditDRN-4023555 The complaint Mr S complains Everyday Lending Limited trading as Everyday Loans (ELL) lent to him irresponsibly. He’s also said they’re reporting incorrect data on his credit file. What happened The details of this complaint are well-known to both parties, so I won’t repeat the... (2 pages)View decision -
Decision Reference DRN-3521256
25 Aug 2022 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3521256 The complaint Mr C complains that Bank of Scotland plc, trading as Halifax, irresponsibly granted him credit that he couldn’t afford to repay. What happened Halifax approved a credit card application with an £11,000 limit for Mr C in June 2017. The credit limit was never increa... (2 pages)View decision -
Decision Reference DRN-4201267
27 Jun 2023 Lloyds Bank PLC UpheldConsumer CreditDRN-4201267 The complaint Ms H complains that Lloyds Bank PLC irresponsibly approved an unaffordable loan. What happened Ms H says she took out a Lloyds loan in 2016 for just under £15,000. She says the loan was unaffordable and Lloyds didn’t carry out appropriate checks on the application... (2 pages)View decision -
Decision Reference DRN-3047136
11 Oct 2021 Logbook Money Limited UpheldConsumer CreditDRN-3047136 The complaint Mr B complains that Logbook Money Limited irresponsibly gave him a fixed sum loan agreement secured by a bill of sale on his car. Mr B says the agreement wasn’t affordable. What happened In October 2019, Mr B applied for a loan with Logbook Money for £1,500. He wa... (3 pages)View decision
