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-4776409
14 May 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4776409 The complaint Mrs M complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit on several occasions. Mrs M also complains that after she raised the irresponsible lending complaint NewDay closed ... (3 pages)View decision -
Decision Reference DRN-2887083
14 Feb 2022 Bamboo Limited UpheldConsumer CreditDRN-2887083 The complaint Mr R complains Bamboo Limited (trading as Bamboo Loans) lent to him irresponsibly. What happened In March 2015 Mr R applied for, and was given a guarantor loan for £5,000, which was repayable over a period of 48 months. Bamboo paid the loan funds to the guarantor ... (3 pages)View decision -
Decision Reference DRN-6020528
22 Jan 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6020528 The complaint Mr M complains that NewDay Ltd (NewDay) irresponsibly raised the credit limit on his credit card. What happened Mr M’s application for a credit card was accepted in November 2021, it was issued with an immediate Instant Spend option at account opening of £500,... (4 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 DRN6829172
6 Nov 2018 Casheuronet UK LLC UpheldBanking and creditMr H has complained about payday loans he took out with Casheuronet UK LLC (trading as “Quick Quid”). He’s said he had numerous loans from Quick Quid which trapped him in a debt spiral leading him to have to borrow again to cover his next month’s living costs. ba... (25 pages)View decision -
Decision Reference DRN-3626564
21 Oct 2022 Evergreen Finance London Limited UpheldConsumer CreditDRN-3626564 The complaint Miss P complains that Evergreen Finance London Limited, trading as MoneyBoat.co.uk, lent to her irresponsibly. What happened Miss P was approved for one loan of £800 on 31 March 2022 and it was repayable over four months at £310.78 each month. Miss P still owes Mo... (6 pages)View decision -
Decision Reference DRN-5840745
30 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5840745 The complaint Mrs N on behalf of Miss N complains that NewDay Ltd trading as Fluid Credit Card (NewDay) lent to her irresponsibly. What happened Miss N opened a credit card account with NewDay in January 2022 with a credit limit of £1,500. Miss N complained to NewDay about... (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-6025306
10 Feb 2026 Stellantis Financial Services UK Limited Not upheldConsumer CreditDRN-6025306 The complaint Mr C, through his representative, complains that Stellantis Financial Services UK Limited trading as Peugeot Financial Services (“Stellantis”) approved a vehicle finance agreement for him which he says he could not afford. This complaint commenced as a motor co... (3 pages)View decision -
Decision Reference DRN2567715
13 Oct 2015 TSB Bank plc Not upheldBanking and creditMr F complains on behalf of his son, H, that TSB Bank plc was irresponsible when lending money to H.backgroundH opened a current account with TSB in February 2014. He was given an overdraft of £100 and a credit card with a £2,500 limit. It also granted him eight ... (2 pages)View decision