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 17876 results
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Decision Reference DRN-4760540
24 Apr 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4760540 The complaint Mrs T says Vanquis Bank Limited irresponsibly lent to her. What happened Mrs T applied for a credit card from Vanquis in August 2023. Her application was accepted and Vanquis gave her a £1,200 credit limit. Mrs T says Vanquis did not complete sufficient checks. It... (3 pages)View decision -
Decision Reference DRN4104489
14 May 2018 WDFC UK Limited UpheldBanking and creditMr C complains WDFC UK Limited, trading as Wonga, lent to him irresponsibly.backgroundI issued a provisional decision on 14 June 2018, explaining why I thought this complaint should be upheld. A copy of the provisional is attached and forms part of this final decision... (4 pages)View decision -
Decision Reference DRN-4766913
8 Aug 2024 PRA Group (UK) Limited Not upheldConsumer CreditDRN-4766913 The complaint Miss J complains about PRA Group (UK) Limited’s decision to use a refund received after she made a successful irresponsible lending complaint to reduce an outstanding balance it previously agreed to write off. What happened In October 2022 PRA purchased a cred... (3 pages)View decision -
Decision Reference DRN2304467
19 Apr 2018 Shop Direct Finance Company Limited Not upheldBanking and creditMr G has complained Shop Direct Finance Company Limited lent to him irresponsibly. backgroundMr G opened an account with Shop Direct in November 2010 and was given a credit limit of £1,000. He doesn’t think Shop Direct should have opened an account for him. It should’... (3 pages)View decision -
Decision Reference DRN-4633985
4 Sep 2024 TRANSUNION INTERNATIONAL UK LIMITED Not upheldConsumer CreditDRN-4633985 The complaint Mr M complains that TransUnion International UK Limited (TransUnion) are reporting incorrect information on his credit file. What happened In May 2023, Mr M raised a dispute with TransUnion about two accounts showing on his credit file that he didn’t recognise... (3 pages)View decision -
Decision Reference DRN-4503912
7 Mar 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4503912 The complaint Miss F complains about the way in which Bank of Scotland plc trading as Halifax handled her DSAR request. What happened In March 2023 Miss F made a DSAR to Halifax as part of her complaint about irresponsible lending. When Miss F received the DSAR it was outside o... (2 pages)View decision -
Decision Reference DRN-3819490
9 Dec 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3819490 The complaint The executor representing the estate of Mrs S complains that Barclays Bank UK PLC trading as Barclaycard lent irresponsibly to Mrs S. What happened In 2021, Mrs S passed away and her executor was appointed to her estate. When going through paperwork relating to Mr... (3 pages)View decision -
Decision Reference DRN5137108
14 Feb 2017 Loans 2 Go Limited UpheldBanking and creditMr B complains that Loans 2 Go Limited sold him a loan he couldn’t afford because it didn’t do proper affordability checks. The loan was secured on his car, which was repossessed and sold for much less than it was worth.backgroundIn November 2014 Mr B borrowed a fo... (2 pages)View decision -
Decision Reference DRN-3989572
28 Feb 2023 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-3989572 The complaint Miss J complains that Capital One (Europe) plc irresponsibly lent to her. What happened Miss J applied for a credit card online on 6 August 2019, she was given a credit limit of £1.500. The credit limit wasn’t increased at any stage. The account defaulted in March... (2 pages)View decision -
Decision Reference DRN9623473
19 Aug 2015 Bank of Scotland Plc UpheldBanking and creditMiss A complains that Bank of Scotland plc (trading as Halifax) acted irresponsibly when it agreed to a loan she could not afford, with an unfairly high interest rate.background In May 2011, Miss A took out a £4,000 loan. Miss A says this represented irresponsible ... (2 pages)View decision
