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 21091 results
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Decision Reference DRN-3020936
1 Sep 2021 Indigo Michael Limited Not upheldConsumer CreditDRN-3020936 The complaint Mr H complained that Indigo Michael Limited, trading as SafetyNet Credit (SNC), lent to him irresponsibly. Mr H later complained that a payment removed from his account in September 2018 was done without his permission and he says was an unauthorised payment to SN... (4 pages)View decision -
Decision Reference DRN-4149463
6 Jun 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4149463 The complaint Mr K complains that Barclays Bank UK PLC trading as Barclaycard was irresponsible in its lending to him. What happened Mr K was provided with a credit card by Barclays in December 2016. The initial credit limit was set at £400 and wasn’t increased. Mr K says that ... (2 pages)View decision -
Decision Reference DRN-2735086
30 Jun 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2735086 The complaint Miss A complains Barclays Bank UK PLC (“Barclaycard”) irresponsibly lent to her when it increased the credit limit on a credit card. She also complains that Barclaycard hasn’t calculated redress fairly following a review. What happened Miss A raised a complaint ab... (2 pages)View decision -
Decision Reference DRN5031455
21 Oct 2014 NRAM plc Not upheldBanking and creditMr B, on behalf of his parents, Mrs and the late Mr T (under two powers of attorney dated April and June 2013 respectively), complains that NRAM plc provided irresponsible lending to them.backgroundIn 1992 Mrs and the late Mr T (then aged 60 and 62 respectively), took out a repayment ... (2 pages)View decision -
Decision Reference DRN-4588170
27 Mar 2024 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-4588170 The complaint Mr T complains that Lantern Debt Recovery Services Ltd (Lantern) haven’t investigated his complaint about irresponsible lending of a loan and harassment to repay it, from the original lender. What happened Mr T held a loan with a lender, which I’ll refer to as Com... (3 pages)View decision -
Decision Reference DRN-3465759
7 Sep 2022 Morses Club PLC Not upheldConsumer CreditPage 1 of 5The complaint Mr M has two complaints about Morses Club PLC. The first is that Morses lent to him irresponsibly in September 2021. The second is that when he wanted to reborrow 10 weeks later the policy had been changed (in August 2021) to mean he was not able to ask for more cr... (5 pages)View decision -
Decision Reference DRN-2435811
18 Mar 2021 Western Circle Ltd Not upheldConsumer CreditDRN-2435811 The complaint Mr A says Western Circle Ltd trading as Cashfloat, irresponsibly lent to him. He says that if it had looked properly into his circumstances it would’ve seen that he had adverse credit file makers and not lent to him. What happened This complaint is about five payd... (2 pages)View decision -
Decision Reference DRN6144580
30 Jul 2013 Barclays Bank Plc Not upheldBanking and creditMr B complains that Barclays Bank PLC trading as Barclaycard (“Barclaycard”) was irresponsible in allowing him to exceed his credit limit.background Mr B had drunk alcohol and had taken prescription medication when he used his credit card on an online gambling website one evening. The ... (2 pages)View decision -
Decision Reference DRN-5899784
21 Jan 2026 MBNA Limited Not upheldBanking and PaymentsDRN-5899784 The complaint Mrs H complains that MBNA Limited unfairly sold her debt, when she thought they had agreed she didn’t owe anything further. What happened In December 2018, MBNA approved Mrs H’s application for a credit card, giving her a limit of £3,100. The limit was never i... (2 pages)View decision -
Decision Reference DRN5121693
17 Jul 2017 J D Williams & Company Limited UpheldBanking and creditMr S complains that J D Williams & Company Limited, trading as Fashion World, lent to him irresponsibly.backgroundMr S applied for an account with Fashion World in March 2014 and an account was opened for him with a credit limit of £125. The limit was increased to... (3 pages)View decision