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 DRN-5748036
17 Oct 2025 Everyday Lending Limited Not upheldConsumer CreditDRN-5748036 The complaint Ms M complains Everyday Lending Limited (ELL) lent to her irresponsibly. What happened Ms M complains about the loan below: Date Capital APR Term Monthly repayment Total repayable August 2022 £2,500188.8%24 months £257.82 £6,187.68 The details of this compla... (2 pages)View decision -
Decision Reference DRN-4348188
13 Sep 2023 Lantern Debt Recovery Services Ltd UpheldConsumer CreditDRN-4348188 The complaint Mr C complains Lantern Debt Recovery Services Ltd didn’t carry out due diligence when purchasing his debt from another company. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copied the relevant eleme... (4 pages)View decision -
Decision Reference DRN-5598538
18 Jun 2025 Evergreen Finance London Limited Not upheldConsumer CreditDRN-5598538 The complaint Miss G has complained that Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) acted irresponsibly when it provided her with two loans in 2021 and 2022. She has also complained that it failed to offer to reasonable support when she ran int... (3 pages)View decision -
Decision Reference DRN-4792683
31 Jul 2024 Oakbrook Finance Limited UpheldConsumer CreditDRN-4792683 The complaint Mr A complains that OAKBROOK FINANCE LIMITED trading as Likely Loans, (“Oakbrook”), lent to him and did not do proper checks before lending. What happened Mr A took two loans with Oakbrook and a brief table gives a few details. Both loans were for 36 months. L... (7 pages)View decision -
Decision Reference DRN-3102246
23 Dec 2021 NewDay Ltd UpheldConsumer CreditDRN-3102246 The complaint Mr H complains that NewDay Ltd (NewDay) closed his credit card account and charged him interest during payment holidays. What happened Mr H had a marbles loan and credit card from NewDay. The loan was for £2,400 payable over 24 months and was repaid. The credit ca... (3 pages)View decision -
Decision Reference DRN-5843962
26 Sep 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5843962 The complaint Mrs F complains about the service she received from NewDay Ltd trading as Aqua. What happened Mrs F had an Aqua credit card account. After she raised an irresponsible lending complaint, Aqua closed her account and agreed a payment holiday. Mrs F was unhappy to ... (4 pages)View decision -
Decision Reference DRN-4587400
19 Feb 2024 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-4587400 Complaint Mr G has complained about loans Clydesdale Financial Services (trading as Barclays Partner Finance “Barclays PF”) provided to him. He says that these loans were unaffordable due to having priority bills to pay and young children to care for. Background In October 2017... (3 pages)View decision -
Decision Reference DRN-3457854
14 Jun 2022 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-3457854 The complaint Mr W complains that Shop Direct Finance Company Limited trading as Littlewoods and Very (‘Shop Direct’) irresponsibly gave him two running account credit facilities that he couldn’t afford. What happened In October 2018, Mr W applied for two credit accounts with S... (2 pages)View decision -
Decision Reference DRN-3579470
15 Jul 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3579470 The complaint Mr O complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted him a credit card account that he couldn’t afford to repay. What happened Mr O entered into an agreement with NewDay to have access to credit with an account that was opened for him ... (2 pages)View decision -
Decision Reference DRN-3758610
21 Nov 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3758610 The complaint Mrs J complains through her representative that Everyday Lending Limited irresponsibly provided her with a high cost loan that she couldn’t afford to repay. What happened Everyday provided Mrs J with a loan of £2,000 on 22 March 2017, repayable over 24 months at t... (3 pages)View decision
