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 DRN-3866418
4 Jan 2023 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-3866418 The complaint Mrs P complains that Tesco Personal Finance PLC trading as Tesco Bank (‘Tesco’) irresponsibly gave her a credit card account that she couldn’t afford. What happened On 2 June 2019, Mrs P’s credit card was opened by Tesco with an initial credit limit of £1,500. Thi... (2 pages)View decision -
Decision Reference DRN-4613737
27 Feb 2024 Nationwide Building Society Not upheldConsumer CreditDRN-4613737 The complaint Mr P complains that Nationwide Building Society (“Nationwide”) irresponsibly granted him a loan he couldn’t afford to repay. What happened In July 2015 Mr P took out a personal loan for around £10,0000. It was used to ‘top-up’ an earlier loan. Mr P says that Natio... (2 pages)View decision -
Decision Reference DRN-5859175
29 Jan 2026 Monzo Bank Ltd Not upheldConsumer CreditDRN-5859175 The complaint Monzo Bank Ltd (‘Monzo’) provided Mr N with a personal loan in February 2020. The loan was for £7,500 and was to be repaid by way of 24 monthly repayments of £324.63. Mr N says the loan was provided irresponsibly. What happened The details of this complaint ar... (2 pages)View decision -
Decision Reference DRN-2726665
8 Apr 2021 Greenlight Credit Ltd UpheldConsumer CreditDRN-2726665 The complaint Mr H says Greenlight Credit Limited (trading as Varooma) lent to him irresponsibly. What happened Mr H borrowed £2,800 from Varooma on 12 January 2019. The loan had a 36-month term, the monthly repayments were £241.11 and the total repayable was £8697.96. Mr H mad... (5 pages)View decision -
Decision Reference DRN-3546861
26 Jul 2022 etika Finance UK Limited Not upheldConsumer CreditDRN-3546861 The complaint Mr B complains that etika Finance UK Limited irresponsibly granted him a fixed sum loan agreement he couldn’t afford to repay. What happened In May 2017, Mr B was provided with a fixed sum loan agreement by Etika to pay for a training course. Mr B paid a deposit o... (2 pages)View decision -
Decision Reference DRN-2928604
9 Nov 2021 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-2928604 The complaint Mr B complains that Clydesdale Financial Services Limited, trading as Barclays Partner Finance (“BPF”) irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In September 2016, Mr B acquired a used car. He financed the ag... (2 pages)View decision -
Decision Reference DRN-3206494
24 Jan 2022 TFS Loans Limited UpheldConsumer CreditDRN-3206494 The complaint Mr D, through his representative, says TFS Loans Limited lent to him irresponsibly. What happened Mr D took out a 60-month loan for £3,000 from TFS in August 2013. The monthly repayment was £149.96 and the total repayable was £8,997.60. Mr D says TFS didn’t carry ... (3 pages)View decision -
Decision Reference DRN-4088701
26 Apr 2023 TM Advances Limited Not upheldConsumer CreditDRN-4088701 Complaint Mr K has complained about a loan TM Advances Limited (“TM Advances”) provided to him. He says TM Advances irresponsibly lent him this loan. Background One of our adjudicators reviewed what Mr K and TM Advances had told us. And he thought that TM Advances hadn’t lent i... (2 pages)View decision -
Decision Reference DRN3848062
30 May 2013 Barclays Bank Plc Not upheldBanking and creditMr and Mrs L have complained about irresponsible lending by Barclays Bank Plc. They also complain that Barclays did not respond to letters they sent about their complaint in October 2011 and June 2012.backgroundIn 2002 Mr and Mrs L took out a mortgage with Barclays over a ten year ter... (2 pages)View decision -
Decision Reference DRN-2778691
23 Nov 2021 Temple Finance Limited UpheldConsumer CreditDRN-2778691 The complaint Mr H complains Temple Finance Limited (trading as PerfectHome) lent to him irresponsibly. What happened Mr H entered into four finance agreements with PerfectHome to acquire electronic goods. In February 2017, Mr H entered into an agreement to acquire a smart pho... (4 pages)View decision