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 19738 results
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Decision Reference DRN5137108
14 Feb 2017 Loans 2 Go Limited UpheldBanking and creditMr B complains that Loans 2 Go Limited sold him a loan he couldn’t afford because it didn’t do proper affordability checks. The loan was secured on his car, which was repossessed and sold for much less than it was worth.backgroundIn November 2014 Mr B borrowed a fo... (2 pages)View decision -
Decision Reference DRN-3129147
15 Jan 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3129147 The complaint Mrs B complains that Madison CF UK Limited (“118 118 Money”) lent to her in an irresponsible manner. What happened Mrs B was given a fixed term loan by 118 118 Money. She took the loan out on 26 November 2013 for £2000 to be repaid over 2 years at a monthly repaym... (3 pages)View decision -
Decision Reference DRN-5462842
16 Apr 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5462842 The complaint Mr O complains Zopa Bank Limited (“Zopa”) hasn’t given him 8% simple interest despite upholding his irresponsible lending complaint. What happened In July 2022 Mr O was provided with a loan for £6,000.00 from Zopa. The loan was due to run for 48 months. In 20... (3 pages)View decision -
Decision Reference DRN-5422089
24 Mar 2025 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-5422089 The complaint Miss O complains Cabot Credit Management Group Limited are asking her to repay more towards a debt than they should be. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copied the relevant elements o... (4 pages)View decision -
Decision Reference DRN9623473
19 Aug 2015 Bank of Scotland Plc UpheldBanking and creditMiss A complains that Bank of Scotland plc (trading as Halifax) acted irresponsibly when it agreed to a loan she could not afford, with an unfairly high interest rate.background In May 2011, Miss A took out a £4,000 loan. Miss A says this represented irresponsible ... (2 pages)View decision -
Decision Reference DRN-5652067
27 Jun 2025 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-5652067 The complaint Miss B complains Cabot Credit Management Group Limited trading as Cabot Financial (Europe) Limited have: Asked her to repay a debt she doesn’t think they should Been reporting a default incorrectly Delayed dealing with her court claim which lost her the c... (2 pages)View decision -
Decision Reference DRN-5891994
3 Nov 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5891994 Complaint Mr S has complained about credit cards Barclays Bank UK PLC (trading as “Barclaycard”) provided to him. He says the credit cards and the subsequent limit increases shouldn’t have been provided as they were unaffordable and caused his lending relationships to be unf... (7 pages)View decision -
Decision Reference DRN9780355
1 Feb 2017 HSBC Bank plc Not upheldBanking and creditMr C complains that HSBC Bank Plc acted irresponsibly when it lent him money he couldn’t afford to repay. And he’s unhappy that HSBC continued to chase the arrears on his loan account after he agreed a repayment plan. backgroundMr C says HSBC continually increased th... (3 pages)View decision -
Decision Reference DRN-3826057
5 Dec 2022 Madison CF UK Limited Not upheldBanking and PaymentsDRN-3826057 The complaint Mr P complains that Madison CF UK Limited trading as 118 118 Money was irresponsible in its lending to him. What happened In April 2021, Mr P was provided with credit card by 118 118 Money with a credit limit of £1,200. There were no increases to the credit limit.... (2 pages)View decision -
Decision Reference DRN4872412
12 Nov 2015 Barclays Bank Plc Not upheldBanking and creditMr L complains that Barclays Bank Plc (“Barclays”) acted irresponsibly when it lent to him.backgroundIn December 2012, Mr L took out a loan with Barclays for £10, 900. That loan was restructured in November 2014 and Mr L borrowed £9, 500 with an APR of 14.9%. He then... (2 pages)View decision
