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-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 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-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-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-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-2756422
12 May 2021 Loans 2 Go Limited Not upheldConsumer CreditDRN-2756422 The complaint Miss M complains about a loan provided to her by Loans 2 Go limited, (“L2G”) which she says was unaffordable. What happened Miss M was given a single loan by Loans 2 Go. She took the loan out on 7 February 2020 for £250 and was due to repay it in 18 monthly instal... (5 pages)View decision -
Decision Reference DRN-4217854
29 Jun 2023 Cabot Financial (Europe) Limited Not upheldMortgagesDRN-4217854 The complaint Ms T’s complaint is about a secured loan she took out in 2007 with Lender W, which is now owned by Cabot Financial (Europe) Limited. Ms T’s representative has said: the loan was mis-sold because it was lent irresponsibly as it was not affordable. This is because ... (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 -
Decision Reference DRN-3058381
18 Feb 2022 Carcashpoint Limited UpheldConsumer CreditDRN-3058381 The complaint Mr K complains that CarCashPoint Limited (CCP) made an irresponsible lending decision when it provided him with a loan in 2014. What happened In October 2014, Mr K took out a loan for £2060 secured against his vehicle with an annual rate of interest of 213.82%. Th... (3 pages)View decision -
Decision Reference DRN-6146239
13 Feb 2026 Inclusive Finance Limited UpheldConsumer CreditDRN-6146239 The complaint Ms M complains that Inclusive Finance Limited trading as Creditspring was irresponsible in its lending to her. She wants all fees paid refunded and any adverse information recorded on her credit file removed. Ms M also wants compensation for the distress and in... (6 pages)View decision