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 DRN1046909
23 Oct 2019 Vanquis Bank Limited Not upheldBanking and creditMiss P complains about irresponsible lending by Vanquis Bank Limited, which contributed to charges and interest on her account and negative information on her credit file.backgroundMiss P opened a credit card account with Vanquis in 2009. She considers it was irresponsible of the bank to g... (2 pages)View decision -
Decision Reference DRN-2470551
29 Jan 2021 PDL Finance Limited Not upheldConsumer CreditDRN-2470551 The complaint Mr W says PDL Finance Limited trading as Mr Lender lent to him irresponsibly. Mr W says that Mr Lender didn’t make the appropriate checks before lending. So he thinks that it shouldn’t have approved these loans. What happened This complaint is about two instalment... (2 pages)View decision -
Decision Reference DRN4014475
3 Sep 2018 WDFC UK Limited UpheldBanking and creditMr S has complained about a series of payday loans he took out with WDFC UK Limited (trading as “Wonga”.com).He’s said Wonga failed to correctly identify that he’d become dependent on payday loans and had become stuck in a cycle of borrowing to repay previous loans. ... (40 pages)View decision -
Decision Reference DRN-3694705
5 Oct 2022 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-3694705 The complaint Mr K complains that Moneybarn No. 1 Limited (“Moneybarn”) irresponsibly granted him credit he couldn’t afford to repay. What happened In November 2020, Mr K acquired a car. He financed the deal through a conditional sale agreement with Moneybarn. Mr K was require... (2 pages)View decision -
Decision Reference DRN-3013849
14 Dec 2021 Northridge Finance Limited Not upheldConsumer CreditDRN-3013849 The complaint Mrs M complains that Northridge Finance Limited (“Northridge”) irresponsibly granted her a loan she couldn’t afford to repay. What happened In April 2015 Mrs M acquired a used car that she financed through a regulated consumer credit agreement with Northridge Fina... (2 pages)View decision -
Decision Reference DRN-5979209
28 Jan 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5979209 The complaint Miss B complains that Vanquis Bank Limited have irresponsibly lent to her. What happened Miss B was approved for a Vanquis credit card in April 2024, with a £1,250 credit limit. Miss B says that this was irresponsibly lent to her. Miss B made a complaint to Van... (3 pages)View decision -
Decision Reference DRN-3106828
29 Mar 2022 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-3106828 The complaint Mr T complains that Shop Direct Finance Company Limited trading as very (‘Shop Direct’) irresponsibly gave him a running account credit facility that he couldn’t afford. What happened On 5 March 2014, Mr T applied for a credit account with Shop Direct. He was give... (2 pages)View decision -
Decision Reference DRN-3386904
25 Apr 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3386904 The complaint Mr W complains that Everyday Lending Limited lent to him irresponsibly. What happened Mr W took one loan with Everyday Lending. It was approved for him on 22 May 2019 for £3,100 repayable over 36 months at £247.09 each month. The total charge for credit was £5,795... (4 pages)View decision -
Decision Reference DRN-4284861
20 Dec 2023 Next Retail Limited Not upheldConsumer CreditDRN-4284861 The complaint Ms W complains, via a third party, that Next Retail Limited trading as Next Online (“Next”) lent to her irresponsibly. What happened In November 2019 Ms W applied for an account with Next which was granted with a credit limit of £300. This credit limit was never i... (2 pages)View decision -
Decision Reference DRN-5510359
23 May 2025 Lendable Ltd UpheldConsumer CreditDRN-5510359 The complaint Mr H complains that Lendable Ltd failed to check sufficiently whether he could sustain repayments before they agreed to lend to him. What happened In May 2024 Mr H entered into A Fixed Sum Loan agreement with Lendable for £5,000. After interest fees and charg... (4 pages)View decision