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 17876 results
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Decision Reference DRN0615138
13 Aug 2018 Shop Direct Finance Company Limited Not upheldBanking and creditMiss P complains Shop Direct Finance Company Limited gave her credit which she couldn’t afford. And it raised her interest rate. She says this amounted to irresponsible lending as proper checks weren’t carried out. She wants a refund of interest charges and the remai... (3 pages)View decision -
Decision Reference DRN-2762995
19 May 2021 Greenlight Credit Ltd UpheldConsumer CreditDRN-2762995 The complaint Mr S says Greenlight Credit Ltd (trading as Varooma) lent to him irresponsibly and treated him unfairly when he couldn’t repay the loan. What happened Mr S took out a 36-month loan for £4000 on 25 April 2019. The monthly repayment was £394.44 and the total repayab... (3 pages)View decision -
Decision Reference DRN-2730818
20 Apr 2021 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-2730818 The complaint Mr K complains that Shop Direct Finance Company Limited, trading as Littlewoods (SDFC) lent to him irresponsibly. . What happened Mr K opened a catalogue shopping account with SDFC in September 2016. His credit limit was increased from £500 to £1000 in April 2017.... (3 pages)View decision -
Decision Reference DRN-2097791
26 Feb 2021 Evolution Lending Limited Not upheldMortgagesDRN-2097791 The complaint Miss M complains that Evolution Lending Limited shouldn’t have lent her money secured by a further charge on her property. Miss M would like Evolution to refund the interest she paid and remove any adverse credit information it registered. What happened Miss M too... (2 pages)View decision -
Decision Reference DRN7513208
5 Jun 2015 WDFC UK Limited UpheldBanking and creditMr V complains that WDFC UK Limited (the business) has recorded incorrect information on his credit file. This complaint has also been investigated in regard to irresponsible lending by the business.backgroundMr V says that he looked at this credit report before app... (2 pages)View decision -
Decision Reference DRN-4640881
7 Mar 2025 Capquest Debt Recovery Limited UpheldConsumer CreditDRN-4640881 The complaint Mr O complains that Capquest Debt Recovery Limited (Capquest) are chasing him for a debt he believes was lent to him irresponsibly and sold without warning. He also complains that he hasn’t been provided with evidence the debt was legally purchased. What happe... (3 pages)View decision -
Decision Reference DRN4003908
25 Jun 2019 Black Horse Limited Not upheldBanking and creditMr H complains on behalf of Ms H, a friend, of irresponsible lending by Black Horse Limited (trading as Landrover Financial Services (LRFS)) leading to negative information on Ms H’s credit file. Ms H would like the negative data removed. And compensation to cover legal fees and the stress... (6 pages)View decision -
Decision Reference DRN-4760540
24 Apr 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4760540 The complaint Mrs T says Vanquis Bank Limited irresponsibly lent to her. What happened Mrs T applied for a credit card from Vanquis in August 2023. Her application was accepted and Vanquis gave her a £1,200 credit limit. Mrs T says Vanquis did not complete sufficient checks. It... (3 pages)View decision -
Decision Reference DRN6055776
24 Feb 2016 Casheuronet UK LLC Not upheldBanking and creditMr H complains that Casheuronet UK LLC (trading as Quick Quid) sent him marketing material to apply for another loan after he had complained about irresponsible lending.backgroundMr H explains that he made a complaint about irresponsible lending. As soon as that complaint... (2 pages)View decision -
Decision Reference DRN-2821328
12 Aug 2021 Quidie Limited Not upheldConsumer CreditDRN-2821328 The complaint Mr J complains that Quidie Limited, trading as Fernovo, lent to him irresponsibly in 2018. Mr J also complains that he wrote to Quidie in February 2019 asking for help with repaying the loan and he says he received no help. He also complains that he has been subje... (4 pages)View decision
