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
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Decision Reference DRN-3502074
8 Jul 2022 Mallard Leasing Limited UpheldConsumer CreditDRN-3502074 The complaint Mr W complains that the car supplied to him through a hire purchase agreement with Mallard Leasing Limited wasn’t of satisfactory quality. He also complains that Mallard Leasing Limited irresponsibly granted him the agreement which he couldn’t afford to repay. Wha... (4 pages)View decision -
Decision Reference DRN-3704621
27 Sep 2022 Lloyds Bank PLC UpheldConsumer CreditDRN-3704621 The complaint Mr R complains through his representative (a relative) that Lloyds Bank PLC lent him monies on two loans he was unable to afford to repay. What happened Lloyds provided Mr R with the following loans: Date Amount Period of loan Monthly instalment* Loan 1 20/7/18 £5... (4 pages)View decision -
Decision Reference DRN-3800599
18 Sep 2023 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-3800599 The complaint Mrs A complains that Clydesdale Financial Services Limited, trading as Barclays Partner Finance, won’t refund to her the money that she paid for some holiday club membership points. Her husband is also involved in her complaint and she’s being represented by a leg... (5 pages)View decision -
Decision Reference DRN-5626843
17 Oct 2025 Everyday Lending Limited UpheldConsumer CreditDRN-5626843 The complaint Everyday Lending Limited trading as Everyday Loans (ELL) provided Mr P with a loan in June 2023. Mr P says the loan was provided irresponsibly. What happened Mr P complains about the loan below: Date Capital Interest rateTerms Monthly repayment May 2023£1,500... (2 pages)View decision -
Decision Reference DRN-4673536
13 Mar 2024 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-4673536 The complaint Miss J complains that Clydesdale Financial Services Limited trading as Barclays Partner Finance (“BPF”) shouldn’t have, in 2012, lent to her under a fixed sum loan agreement (“agreement”) because that agreement was unaffordable. What happened In May 2012 Miss J en... (6 pages)View decision -
Decision Reference DRN-4827232
31 May 2024 Shawbrook Bank Limited Not upheldConsumer CreditDRN-4827232 The Complaint Mr and Mrs M’s complaint is, in essence, that Shawbrook Bank Limited (‘Shawbrook’) acted unfairly and unreasonably by (1) participating in an unfair credit relationship with them under Section 140A of the Consumer Credit Act 1974 (the ‘CCA’) and (2) deciding again... (4 pages)View decision -
Decision Reference DRN-3521323
25 Aug 2022 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-3521323 The complaint Mr B complains that Moneybarn No.1 Limited irresponsibly granted him credit under a conditional sale agreement he couldn’t afford to repay. What happened In April 2016 Mr B acquired a used car financed by a conditional sale agreement from Moneybarn. Mr B was requ... (3 pages)View decision -
Decision Reference DRN-3692286
1 Nov 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3692286 The complaint Mr D complains that Madison CF UK Limited trading as 118 118 Money was irresponsible in its lending to him. What happened In December 2020, Mr D was provided with a £1,000 fixed sum loan by 118 Money. The loan term was 18 months and Mr D was required to make month... (2 pages)View decision -
Decision Reference DRN-4490007
1 Dec 2023 Match the Cash Limited Not upheldConsumer CreditDRN-4490007 The complaint Ms B complains that Match the Cash Limited trading as www.Guarantormyloan.co.uk (‘Match the Cash’) irresponsibly gave her a loan that she couldn’t afford in 2020. What happened On 19 February 2020, Ms B applied for a loan with Match the Cash. The loan amount was £... (3 pages)View decision -
Decision Reference DRN-2499705
11 Feb 2021 Morses Club PLC Not upheldConsumer CreditDRN-2499705 The complaint Mrs J says Morses Club PLC (Morses) lent to her irresponsibly. She says that she ended up in a debt spiral as the loans weren’t affordable. She says that Morses should have seen this and not lent to her. What happened This complaint is about two home collected loa... (2 pages)View decision
