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-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-5428031
26 Mar 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5428031 The complaint In summary, Miss W has complained that National Westminster Bank Plc, irresponsibly provided her with an overdraft and credit card. She’s also concerned that she wasn’t told that her account would be closed when she says it was being well managed. She is unhapp... (3 pages)View decision -
Decision Reference DRN-2756422
12 May 2021 Loans 2 Go Limited Not upheldConsumer CreditDRN-2756422 The complaint Miss M complains about a loan provided to her by Loans 2 Go limited, (“L2G”) which she says was unaffordable. What happened Miss M was given a single loan by Loans 2 Go. She took the loan out on 7 February 2020 for £250 and was due to repay it in 18 monthly instal... (5 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 DRN9699459
27 Apr 2018 Marsh Finance & Commercial Limited Not upheldBanking and creditMr S complains about irresponsible lending. He says Marsh Finance & Commercial Ltd lent him money through a hire purchase agreement. Due to the large amount of other loans he had at the time he says he couldn’t afford to repay it. He wants the interest to be ... (2 pages)View decision -
Decision Reference DRN-2911006
8 Jul 2021 Gain Credit LLC Not upheldConsumer CreditDRN-2911006 The complaint Mr D says Gain Credit LLC (trading as Lending Stream) lent to him irresponsibly. What happened Our adjudicator dismissed Mr D’s complaint. Mr D did not agree with the adjudicator’s view that this service couldn’t consider the complaint. The complaint was then pass... (4 pages)View decision -
Decision Reference DRN-4348873
17 Oct 2023 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4348873 The complaint Mrs W complains that Vanquis Bank Limited irresponsibly lent to her. What happened Mrs W applied for a credit card from Vanquis in September 2014. It gave her a £250 credit limit and increased this to £500 in March 2015 and to £1,500 in March 2017. Vanquis upheld ... (2 pages)View decision -
Decision Reference DRN-5840745
30 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5840745 The complaint Mrs N on behalf of Miss N complains that NewDay Ltd trading as Fluid Credit Card (NewDay) lent to her irresponsibly. What happened Miss N opened a credit card account with NewDay in January 2022 with a credit limit of £1,500. Miss N complained to NewDay about... (3 pages)View decision -
Decision Reference DRN-3870334
27 Jan 2023 Plata Finance Limited Not upheldBanking and PaymentsDRN-3870334 The complaint Mr P complains that Zopa Limited (“Zopa”) irresponsibly granted him a credit card he couldn’t afford to repay. What happened In April 2021 Mr P entered into an agreement with Zopa to have access to credit by way of a credit card account. He was given a credit limi... (2 pages)View decision -
Decision Reference DRN-4943271
8 Aug 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4943271 The complaint Ms W complains that NewDay Ltd trading as Marbles have irresponsibly lent to her. What happened Ms W was approved for a Marbles credit card in February 2022 with a £450 credit limit. Ms W says Marbles shouldn’t have accepted her application due to the defaults ... (2 pages)View decision
