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-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 -
Decision Reference DRN-2630947
23 Mar 2021 Morses Club PLC UpheldConsumer CreditDRN-2630947 The complaint Mr P complains that Morses Club PLC lent to him irresponsibly. What happened Mr P has explained that he took many loans with a company called Shopacheck which was eventually bought by Morses Club. He continued to take loans. Morses has explained that it knew Mr P... (4 pages)View decision -
Decision Reference DRN-5574117
12 Sep 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5574117 The complaint Mr J has complained that Nationwide Building Society lent to him irresponsibly by approving a credit card for him in March 2021 which he could not afford to repay. What happened Mr J applied for a credit card with Nationwide on 18 March 2021. Mr J said in his a... (5 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-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-3626564
21 Oct 2022 Evergreen Finance London Limited UpheldConsumer CreditDRN-3626564 The complaint Miss P complains that Evergreen Finance London Limited, trading as MoneyBoat.co.uk, lent to her irresponsibly. What happened Miss P was approved for one loan of £800 on 31 March 2022 and it was repayable over four months at £310.78 each month. Miss P still owes Mo... (6 pages)View decision -
Decision Reference DRN-3856154
25 Jan 2023 Morses Club PLC UpheldConsumer CreditDRN-3856154 The complaint Ms B, through her representative, complains that Morses Club PLC lent to her irresponsibly. What happened Ms B’s representative has informed us that she took seven loans with Morses. Morses in its final response letter (FRL) following Ms B’s complaint which starte... (4 pages)View decision -
Decision Reference DRN-4127071
17 May 2023 Oakbrook Finance Limited Not upheldConsumer CreditDRN-4127071 Complaint Mr M has complained about a loan Oakbrook Finance Limited (trading as “Likely Loans”) provided to him. He says the loan was unaffordable and so shouldn’t have been provided. Background Likely Loans provided Mr M with a loan for £1,000.00 in August 2021. This loan was ... (2 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 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
