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 DRN-3520989
22 Jun 2022 Cabot Credit Management Group Limited Not upheldBanking and PaymentsDRN-3520989 The complaint Miss B complains that Cabot Credit Management Group Limited (Cabot) harassed her in relation to a credit card debt it acquired in October 2021. Miss B also complains that Cabot purchased her account whilst she was in dispute with the original lender and recorded a... (3 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 -
Decision Reference DRN-4584140
29 Feb 2024 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-4584140 The complaint Mr G complains Clydesdale Bank Plc trading as Virgin Money lent to him irresponsibly. What happened Mr G successfully applied for a credit card with Clydesdale in July 2018. When his application was approved, he was given a £9,000 credit limit. Mr G’s complained C... (3 pages)View decision -
Decision Reference DRN-3359432
24 Mar 2022 TM Advances Limited UpheldConsumer CreditDRN-3359432 The complaint Mr L complains that TM Advances Limited (TM) lent him money on a high interest loan which he was unable to afford to repay. What happened Mr L was provided by TM with a loan on 11 October 2019, for £3,000 repayable at the rate of £249 a month over 40 months. He re... (4 pages)View decision -
Decision Reference DRN-3020054
17 Nov 2021 UK Credit Limited Not upheldConsumer CreditDRN-3020054 The complaint Mrs S complains about a loan provided to her by UK Credit limited, (“UK Credit”) which she says was unaffordable. What happened Mrs S was given a guarantor loan by UK Credit. She took the loan out in July 2018 for £7500 and was due to repay it in 60 monthly instal... (3 pages)View decision -
Decision Reference DRN-3757746
25 Oct 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3757746 The complaint Mr M has complained that NewDay Ltd trading as Aqua irresponsibly lent to him. What happened Mr M opened a credit card account with NewDay (trading as Aqua) in April 2021. His credit limit was £900. In August 2021 it was increased to £1,200. Mr M is represented by... (2 pages)View decision -
Decision Reference DRN-3201155
14 Jan 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3201155 The complaint Mr G complains NewDay Ltd trading as Aqua (“NewDay”) lent to him irresponsibly. What happened Mr G applied for a credit card with NewDay in May 2012. His application was approved with a credit limit of £400. Mr G requested a credit limit increase to £750 in Octobe... (4 pages)View decision -
Decision Reference DRN-2771294
5 Jul 2021 George Banco Limited Not upheldConsumer CreditDRN-2771294 The complaint Mr R complains about a loan provided to him by George Banco Limited, (“George Banco”) which he says was unaffordable. What happened Mr R was given a single loan by George Banco. He took the loan out on 6 January 2020 for £2000 and was due to repay it in 36 monthly... (3 pages)View decision -
Decision Reference DRN-4527975
18 Jan 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4527975 The complaint Mr S complains that NewDay Ltd was irresponsible in its lending to him. What happened Mr S first raised his complaint in 2019 and says that he didn’t receive a response from NewDay at that time and when he raised this again NewDay said it wouldn’t reopen his compl... (3 pages)View decision -
Decision Reference DRN-3359870
22 Jun 2022 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-3359870 The complaint Mr G complains that Capital One (Europe) plc (‘Capital One’) irresponsibly gave him a credit card account that he couldn’t afford. What happened On 29 July 2015, Mr G applied for and was given a credit card account with Capital One with a credit limit of £200. The... (2 pages)View decision
