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
-
Decision Reference DRN8435410
24 May 2019 Nextcredit Limited UpheldBanking and creditMr N complains that Nextcredit Limited lent to him irresponsibly in relation to a loan approved in June 2017.Mr N complains also that Nextcredit handled his requests poorly which were requests for his repayment dates to be altered, and for the interest to be frozen. ... (5 pages)View decision -
Decision Reference DRN5437464
5 Feb 2014 Barclays Bank Plc Not upheldBanking and creditMr E complains that a personal loan provided by Barclays Bank Plc was irresponsible lending which he cannot afford. He wants the bank to accept its error and provide assistance.backgroundWhen Mr E visited his bank branch in January 2013 he was given the opportunity to discuss his fin... (2 pages)View decision -
Decision Reference DRN-4479170
23 Feb 2024 Frasers Group Financial Services Limited Not upheldConsumer CreditDRN-4479170 The complaint Miss H complains that Frasers Group Financial Services Limited who were trading as ‘Studio’ irresponsibly gave her a running account credit facility that she couldn’t afford. For simplicity I will refer to the business as ‘Frasers’ in this decision. What happened ... (2 pages)View decision -
Decision Reference DRN-4739282
14 Oct 2024 Clydesdale Financial Services Limited UpheldConsumer CreditDRN-4739282 Complaint Mr S is unhappy with what Clydesdale Financial Services Limited (trading as Barclays Partner Finance “Barclays PF”) has done in order to settle a complaint he’s made. Mr S complained that Barclays PF failed to carry out any affordability checks and he also complai... (4 pages)View decision -
Decision Reference DRN-3158568
15 Dec 2021 Morses Club PLC Not upheldConsumer CreditDRN-3158568 The complaint Miss M says Morses Club PLC lent to her irresponsibly. She said that she had other commitments that she was struggling to repay when Morses lent to her. She thinks it should’ve seen this and not approved the loans. What happened This complaint is about one home co... (2 pages)View decision -
Decision Reference DRN-5221508
10 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5221508 The complaint Mrs S complains that NewDay Ltd, trading as Aqua (“NewDay”) lent to her irresponsibly when it approved a credit card for her in September 2017 as well as the four subsequent credit limit increases. What happened NewDay approved the card for Mrs S in September 2... (4 pages)View decision -
Decision Reference DRN-3276162
22 Mar 2022 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-3276162 The complaint Mrs C complains that BMW Financial Services (GB) Limited (“BMWFS”) irresponsibly granted her a loan she couldn’t afford to repay. What happened In April 2017, Mrs C took receipt of a car that she financed through a hire purchase agreement with BMWFS. Mrs C was re... (2 pages)View decision -
Decision Reference DRN-3126054
18 Feb 2022 J D Williams & Company Limited UpheldConsumer CreditDRN-3126054 The complaint Mrs P says J D Williams & Company Limited (“J D Williams”) irresponsibly lent to her. What happened This complaint is about a catalogue shopping account J D Williams provided. The account was opened in November 2015. Mrs P was given an initial credit limit of ... (3 pages)View decision -
Decision Reference DRN-5442466
11 Aug 2025 First Rate Credit Union Limited Not upheldConsumer CreditDRN-5442466 The complaint Miss M is complaining that First Rate Credit Union Limited (FRCUL) lent to her irresponsibly by providing her with a personal loan. What happened In December 2023, Miss M applied for a loan with FRCUL. They lent her £9,000 over a five- year term. The loan requi... (4 pages)View decision -
Decision Reference DRN7439893
17 Feb 2018 Capital One (Europe) plc Not upheldBanking and creditMr K has complained that Capital One (Europe) plc acted irresponsibly when it increased the limit on his credit card account. Mr K says as a result his account went into default. He says Capital One should remove the default and refund him the fees and charges it ... (2 pages)View decision
