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 DRN1864264
19 Feb 2015 GE Money Secured Loans Limited Not upheldBanking and creditMr S and Miss T have complained about irresponsible lending by GE Money Secured Loans Limited and about fees and charges added to their secured loan accounts after they fell into arrears.backgroundMr S and Miss T have two secured loans taken out with GE Money in 2002 and 2004. The 2002 ... (2 pages)View decision -
Decision Reference DRN-3460668
20 May 2022 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-3460668 The complaint Miss T complaints that Capital One (Europe) plc lent to her irresponsibly. What happened Miss T applied for a credit card with Capital One in November 2019. The credit card account was opened with a credit limit of £200 which never increased. Miss T says that Cap... (2 pages)View decision -
Decision Reference DRN-1715085
24 Jun 2020 Morses Club PLC Not upheldConsumer CreditDRN-1715085The complaintMr L is unhappy about a loan he has with Morses Club PLC.What happenedMr L took out a £100 loan from Morses Club in April 2019. He thinks Morses Club shouldn't have given him the loan. He also thinks he shouldn't have to repay the loan because Morses Club&... (1 page)View decision -
Decision Reference DRN-3192316
7 Feb 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3192316 The complaint Miss G says Everyday Lending Limited (Everyday) lent to her irresponsibly. She also complains that Everyday has, in summary: Breached General Data Protection Regulations (GDPR). Not provided information in a timely manner about her loan. Some of the information ... (4 pages)View decision -
Decision Reference DRN-6019659
2 Feb 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-6019659 The complaint Mr H complains that National Westminster Bank Plc (NatWest) lent to him irresponsibly when granting him a credit card. And that NatWest’s resolution of a complaint about a payment plan linked to that card was inadequate. What happened Mr H applied for and was ... (4 pages)View decision -
Decision Reference DRN-4414112
25 Mar 2024 Topaz Finance Limited Not upheldMortgagesDRN-4414112 The complaint Mr R and Mrs R complain that Topaz Finance Limited trading as Heliodor Mortgages: Should not have approved additional mortgage borrowing for debt consolidation. Had not administered the interest rate on the mortgage fairly – and had overcharged them. Should ext... (4 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-5775334
29 Jan 2026 Amplifi Capital (U.K.) Limited Not upheldConsumer CreditDRN-5775334 The complaint Amplifi Capital (U.K.) Limited trading as Reevo Money (Reevo) provided Miss M with a loan in 2024. The amount borrowed was £5,000. Miss M says the credit was provided irresponsibly. What happened The details of this complaint are well-known to both parties, so... (2 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-3445233
1 Jun 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3445233 The complaint Mr J is unhappy Barclays Bank UK Plc (trading as Barclaycard) registered a default against him for missed payments on his credit card. What happened Mr J took out a Barclaycard credit card in 2013. His credit limit was increased from £400 to £1,900 in 2016, but Mr... (3 pages)View decision