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 18463 results
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Decision Reference DRN-4633985
4 Sep 2024 TRANSUNION INTERNATIONAL UK LIMITED Not upheldConsumer CreditDRN-4633985 The complaint Mr M complains that TransUnion International UK Limited (TransUnion) are reporting incorrect information on his credit file. What happened In May 2023, Mr M raised a dispute with TransUnion about two accounts showing on his credit file that he didn’t recognise... (3 pages)View decision -
Decision Reference DRN5137108
14 Feb 2017 Loans 2 Go Limited UpheldBanking and creditMr B complains that Loans 2 Go Limited sold him a loan he couldn’t afford because it didn’t do proper affordability checks. The loan was secured on his car, which was repossessed and sold for much less than it was worth.backgroundIn November 2014 Mr B borrowed a fo... (2 pages)View decision -
Decision Reference DRN9623473
19 Aug 2015 Bank of Scotland Plc UpheldBanking and creditMiss A complains that Bank of Scotland plc (trading as Halifax) acted irresponsibly when it agreed to a loan she could not afford, with an unfairly high interest rate.background In May 2011, Miss A took out a £4,000 loan. Miss A says this represented irresponsible ... (2 pages)View decision -
Decision Reference DRN-4592241
26 Jul 2024 Next Retail Limited Not upheldConsumer CreditDRN-4592241 The complaint Mr S complains about Next Retail Limited reporting an arrangement to pay on his credit file. What happened Mr S has a catalogue shopping account with Next. In 2018, Next increased the credit limit on his account from £150 to £3,750. Not long afterwards, Mr S go... (2 pages)View decision -
Decision Reference DRN-2009595
28 Aug 2020 MYJAR Limited UpheldConsumer CreditDRN-2009595The complaintMr S says MYJAR Limited irresponsibly lent to him. He also says that MYJAR has applied a default against him incorrectly. What happenedThis complaint is about an instalment loan MYJAR provided to Mr S in June 2018. The amount borrowed was £725 and it was due to be r... (3 pages)View decision -
Decision Reference DRN7231183
16 Jun 2016 Lending Stream Llc UpheldBanking and creditMiss J complains that Lending Stream Llc didn’t carry out proper affordability checks and irresponsibly granted her unaffordable short term loans. She wants the balance written off, charges and interest refunded, compensation and her credit file amended.backgroundLendin... (2 pages)View decision -
Decision Reference DRN-5462842
16 Apr 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5462842 The complaint Mr O complains Zopa Bank Limited (“Zopa”) hasn’t given him 8% simple interest despite upholding his irresponsible lending complaint. What happened In July 2022 Mr O was provided with a loan for £6,000.00 from Zopa. The loan was due to run for 48 months. In 20... (3 pages)View decision -
Decision Reference DRN-5422089
24 Mar 2025 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-5422089 The complaint Miss O complains Cabot Credit Management Group Limited are asking her to repay more towards a debt than they should be. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copied the relevant elements o... (4 pages)View decision -
Decision Reference DRN7709711
4 Jul 2014 NRAM plc Not upheldBanking and creditMiss A and Mr B have complained about irresponsible lending by NRAM plc when it granted them a mortgage in 2007. The complaint has been conducted by Mr B on behalf of himself and Miss A.backgroundIn August 2007 Miss A and Mr B took out a ‘Together’ mortgage with NRAM. Against a purchase ... (2 pages)View decision -
Decision Reference DRN-1034275
7 May 2020 PayPal Europe Sarl & Cie, SCA Not upheldBanking and PaymentsDRN-1034275 The complaintMr W complains that PayPal Europe Sarl & Cie, SCA registered a default on his credit file in relation to his credit account. Mr W made an earlier complaint about irresponsible lending, which isn't dealt with here.What happenedIn December 2017, Mr W applied... (2 pages)View decision
