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 21242 results
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Decision Reference DRN-5750839
13 Aug 2025 Apfin Ltd UpheldConsumer CreditDRN-5750839 The complaint Miss M argues that APFIN LTD trading as cashasap.co.uk (referred to as “cashasap” throughout) gave her three loans she couldn’t afford to repay. What happened cashasap gave Miss M the following three instalment loans: • Loan one - £300 loan in October 2021 rep... (3 pages)View decision -
Decision Reference DRN-5832491
22 Jan 2026 Gain Credit LLC UpheldConsumer CreditDRN-5832491 The complaint Miss M complains Gain Credit LLC trading as Lending Stream lent to her irresponsibly. Miss M complains that the service she received from Lending Stream was poor. What happened Miss M took nine loans with Lending Stream between October 2020 and 26 August 2024. ... (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-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 DRN-1681094
18 Nov 2020 Western Circle Ltd Not upheldConsumer CreditDRN-1681094 The complaint Mr M says Western Circle Ltd trading as Cashfloat didn’t act reasonably when he informed it that he was in financial difficulties. Mr M also feels that the interest on the repayment plan that was agreed was too high. Mr M also has a complaint about irresponsible l... (2 pages)View decision -
Decision Reference DRN-6050664
13 Feb 2026 Fairscore Ltd Not upheldConsumer CreditDRN-6050664 The complaint Fairscore Ltd, trading as Updraft, provided Miss K with the following loan: Date Amount Monthly repayments Term (months) February 2025 £4,500£144.67 48 Miss K says the loan was unaffordable and provided irresponsibly. What happened The details of this compla... (2 pages)View decision -
Decision Reference DRN-3737374
16 Feb 2023 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-3737374 The complaint Mrs T complained that Tesco Personal Finance PLC, trading as Tesco Bank (“Tesco”), irresponsibly increased the credit limit on her credit card account such that she couldn’t afford to repay it. What happened Mrs T took out a credit card with Tesco in July 2013, wi... (3 pages)View decision -
Decision Reference DRN-2713313
14 Jun 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2713313 The complaint Mr M complains of irresponsible lending by Barclays Bank UK PLC (Barclays). He would like his outstanding balance written off, a refund of all interest payments and charges from October 2014 and compensation with 8% statutory interest added. What happened The deta... (2 pages)View decision -
Decision Reference DRN0882219
26 Mar 2020 Provident Personal Credit Limited UpheldBanking and creditMrs N complains that Provident Personal Credit Limited lent to her irresponsibly.Mrs N is represented by a member of her family. backgroundUsing information provided by Provident, Mrs N’s approved loans are summarised here. I have removed reference to pence. Accurate details of each loan a... (5 pages)View decision -
Decision Reference DRN-4223066
11 Jul 2023 TSB Bank plc Not upheldBanking and PaymentsDRN-4223066 The complaint Mr J has complained that his overdraft with TSB Bank plc (“TSB”) wasn’t affordable and that the charges TSB applied kept him living in his overdraft and caused him financial difficulty. What happened Mr J had an account with TSB with an agreed overdraft limit of £... (3 pages)View decision