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 DRN7618835
1 Jul 2020 Oakam Ltd UpheldBanking and creditMiss D says Oakam Ltd lent to her irresponsibly.backgroundI sent Miss D and Oakam my provisional findings on this complaint on 28 May 2020. A copy is attached and it forms part of this final decision. I explained to both parties why I planned to uphold this complaint in part and asked them... (7 pages)View decision -
Decision Reference DRN-4206833
29 Jun 2023 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4206833 The complaint Mr J complains that Lloyds Bank PLC lent to him irresponsibly. What happened Mr J applied for a credit card account in June 2009. Lloyds approved the application and opened the account with an initial credit limit of £2000. The credit limit was increased to £2550 ... (3 pages)View decision -
Decision Reference DRN5869499
28 Oct 2020 National Westminster Bank Plc UpheldBanking and creditComplaint Miss K has complained about overdraft charges National Westminster Bank Plc (“NatWest”) added to her Select bank account. In essence, she’s said NatWest continued applying these charges when she was in financial difficulty and without any regard to her financial position. Backgro... (14 pages)View decision -
Decision Reference DRN-4321446
9 Oct 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4321446 The complaint Miss D complains that Barclays Bank UK PLC trading as Barclaycard lent irresponsibly when it approved a credit card in her name. What happened Miss D has explained that she already held a credit card with Barclaycard when she applied for another. In the applicatio... (3 pages)View decision -
Decision Reference DRN6360327
29 Mar 2019 Casheuronet UK LLC UpheldBanking and creditMr S says CashEuroNet UK LLC, trading as QuickQuid, lent to him irresponsibly.backgroundMr S had two payday loans with QuickQuid. I’ve set out some of the details QuickQuid provided about the loans in the table below.Loan no.AmountStart dateEnd dateOriginal repayment s... (3 pages)View decision -
Decision Reference DRN-5838503
24 Sep 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5838503 The complaint Miss M complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Miss M applied for an Aqua credit card in May 2021. In the application, Miss M said she was ear... (4 pages)View decision -
Decision Reference DRN-3465666
6 May 2022 Barclays Bank UK PLC Not upheldConsumer CreditDRN-3465666 The complaint Mr K complains that Barclays Bank UK PLC made an irresponsible lending decision when it provided him with a loan. And it’s failed to treat him fairly when he’s later found himself in financial difficulties. What happened Mr K took out a personal loan with Barclays... (4 pages)View decision -
Decision Reference DRN3987030
4 Sep 2018 WDFC UK Limited UpheldBanking and creditMr G has complained about a series of payday loans he took out with WDFC UK Limited (trading as “Wonga”.com). He’s said Wonga didn’t adequately take his financial circumstances into account and as a result continued to give him high interest loans despite it being ob... (25 pages)View decision -
Decision Reference DRN-3583709
25 Jul 2022 Lendable Ltd Not upheldConsumer CreditDRN-3583709 The complaint Mr M complains through his representative that Lendable Ltd lent him money irresponsibly on a high cost loan that he couldn’t afford to repay. What happened Lendable provided Mr M with a loan on 17 February 2020 for £3,300, repayable over 60 months at the rate of ... (3 pages)View decision -
Decision Reference DRN-3053351
27 Sep 2021 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3053351 The complaint Mr M has complained that Lloyds Bank Plc (“Lloyds”) irresponsibly gave him a large overdraft limit. He says that Lloyds ought to have realised he was in significant debt and that he had a gambling problem, and that he would therefore struggle to repay the overdraf... (3 pages)View decision
