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-4329445
21 Nov 2023 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4329445 The complaint Miss M has complained that Bank of Scotland plc, trading as Halifax, irresponsibly lent to her. What happened Miss M opened a credit card account with Halifax on 22 July 2019. The credit limit was £4,000 and was never increased. Miss M says that Halifax shouldn’t... (2 pages)View decision -
Decision Reference DRN-4696565
8 Apr 2024 Admiral Financial Services Limited Not upheldConsumer CreditDRN-4696565 The complaint Mr W complains that Admiral Financial Services Limited (‘Admiral’) irresponsibly gave him a loan that he couldn’t afford. What happened On 12 April 2023, Mr W applied for a loan with Admiral. He was given a loan of £2,000 over 24 months and the monthly repayment w... (2 pages)View decision -
Decision Reference DRN-3460516
30 Jun 2022 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-3460516 The complaint Mr V complains that Shop Direct Finance Company Limited (‘Shop Direct’) irresponsibly gave him a running account credit facility that he couldn’t afford. What happened On 4 August 2010, Mr V applied for a running account credit facility with Shop Direct. He was gi... (2 pages)View decision -
Decision Reference DRN-3307135
6 Apr 2022 Marsh Finance Ltd Not upheldConsumer CreditDRN-3307135 The complaint Mrs C complains that Marsh Finance Ltd (“Marsh”) irresponsibly granted her a loan she couldn’t afford to repay. What happened In July 2014, Mrs C acquired a car and financed the deal through a hire purchase agreement with Marsh. Mrs C was required to make 59 month... (2 pages)View decision -
Decision Reference DRN-4709318
29 May 2024 Fairscore Ltd Not upheldConsumer CreditDRN-4709318 The complaint Mr D complains that Fairscore Ltd, trading as Updraft, provided him with credit that he couldn’t afford to repay. He also says that they were unreasonable to pursue the debt after he had told them he was dealing with a debt charity. What happened Fairscore approve... (2 pages)View decision -
Decision Reference DRN-2733014
5 May 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2733014 The complaint Mr E complained that Loans 2 Go Limited lent to him irresponsibly. What happened Mr E was given loans by Loans 2 Go as follows: Loan Date Taken Date Repaid Instalments Amount Repayment 1 15/12/2018 17/01/2019 18 £250.00 £56.64 2 01/03/2019 02/04/2019 18 £250.00 £5... (4 pages)View decision -
Decision Reference DRN-4946827
14 Aug 2024 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-4946827 The complaint Miss B, through her representative, complains that Capital One (Europe) plc, a credit card company, lent to her by approving the credit card and then increasing the credit limit when she could not afford it. What happened Miss B applied for the credit card with... (3 pages)View decision -
Decision Reference DRN-4398579
13 Oct 2023 Everyday Lending Limited UpheldConsumer CreditDRN-4398579 The complaint Ms M, who is represented by a third party, complains that Everyday Lending Limited (“Everyday Lending”), irresponsibly approved her for a loan she couldn’t afford to repay. What happened In January 2018 Ms M entered into a loan agreement by way of a guarantor loa... (2 pages)View decision -
Decision Reference DRN-3893493
11 Jan 2023 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3893493 The complaint Mr H says Vanquis Bank Limited (‘Vanquis’) irresponsibly lent to him. What happened This complaint is about a credit card account Vanquis provided. The account was opened in April 2014. Mr H was given an initial credit limit of £500. This limit was increased on 11... (3 pages)View decision -
Decision Reference DRN-3961189
24 Feb 2023 Next Retail Limited Not upheldConsumer CreditDRN-3961189 The complaint Ms B complains that Next Retail Limited (“Next”) irresponsibly gave her a revolving credit catalogue account she couldn’t afford. What happened In March 2019 Ms B applied for and was accepted for a credit account with Next. She was given an initial credit limit of... (2 pages)View decision
