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-3800965
2 Dec 2022 Inclusive Finance Limited Not upheldConsumer CreditDRN-3800965 The complaint Miss M complains that Inclusive Finance Limited trading as Creditspring lent to her irresponsibly. What happened Miss M had been provided with a loan by CreditSpring in November 2019. The loan was repaid early, and Miss M doesn’t have a complaint about that. Credi... (3 pages)View decision -
Decision Reference DRN-3690724
27 Oct 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3690724 The complaint Mrs G complains through her representative that Everyday Lending Limited trading as Everyday Loans (Everyday) irresponsibly lent her money on a high cost loan which she couldn’t afford to repay. What happened Everyday provided Mrs G with a loan of £1,500 on 23 Feb... (3 pages)View decision -
Decision Reference DRN-1715396
21 Jul 2020 NewDay Ltd Not upheldBanking and PaymentsDRN-1715396 The complaintMr M’s complaint about NewDay Ltd trading as Aqua (NewDay) relates to Irresponsible lending and increases in his credit limit. What happenedOur investigator’s background summary covered all the relevant facts and issues, and is known to both Mr M and NewDay, so th... (3 pages)View decision -
Decision Reference DRN-3436400
10 Jun 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3436400 The complaint Mr H, through his representative complains that Madison CF UK Limited, trading as 118 118 Money, lent to him irresponsibly. What happened Mr H was approved for one loan with Madison in August 2020 which was for £2,000 repayable over 24 months at £117.66 a month. T... (3 pages)View decision -
Decision Reference DRN8353154
24 May 2019 Harvey & Thompson Limited UpheldBanking and creditMs R has complained about lending Harvey & Thompson Limited (H&T) provided to her in February 2010.backgroundI set out a detailed background to this complaint in my provisional decision which I’ve attached as an appendix to this final decision. I invited both p... (5 pages)View decision -
Decision Reference DRN-3805440
9 Jan 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3805440 The complaint Mr H says Barclays Bank UK PLC trading as Barclaycard (‘Barclaycard’) irresponsibly lent to him. What happened This complaint is about two credit card accounts Barclaycard provided. The accounts were opened in June 2004 and January 2010. On one card the last incre... (3 pages)View decision -
Decision Reference DRN-2417612
7 Jan 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2417612 Complaint Mr S complains that Loans 2 Go Limited (“L2G”) irresponsibly gave him three loans he couldn’t afford to repay. Background Mr S was given loans of £500 (twice) and £350 in September 2015, July 2017 and September 2018. The loan was to be repaid in 36 monthly instalment... (2 pages)View decision -
Decision Reference DRN-4730674
24 Apr 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4730674 The complaint Mr D says NewDay Ltd irresponsibly lent to him. What happened Between January 2021 and March 2023 Mr D took out four credit cards from NewDay. He complained to the lender in December 2023. It upheld his complaint about the last two cards (cards 3 and 4) that it ga... (3 pages)View decision -
Decision Reference DRN-3197774
16 Dec 2021 Morses Club PLC Not upheldConsumer CreditDRN-3197774 The complaint Mrs B says Morses Club PLC lent to her irresponsibly. She says that she was in a poor financial position and she couldn’t afford the loan repayments. She thinks that Morses should’ve seen this and not lent to her. What happened This complaint is about one home col... (2 pages)View decision -
Decision Reference DRN-5052635
7 Nov 2024 Marks & Spencer Financial Services plc UpheldBanking and PaymentsDRN-5052635 The complaint X complains that Marks & Spencer Financial Services Plc (M&S) irresponsibly provided her with a credit card and limit increase and failed to support her as a vulnerable customer. What happened M&S provided X with a credit card for £1,500 in November 20... (5 pages)View decision
