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 19738 results
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Decision Reference DRN-3004602
18 Oct 2021 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3004602 Complaint Miss O has complained about an overdraft Bank of Scotland (trading as “Halifax”) provided to her. She says the overdraft was unaffordable and shouldn’t have been provided. Background Halifax provided Miss O with a student overdraft for £1,000.00 in February 2017. The ... (2 pages)View decision -
Decision Reference DRN-5224651
25 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5224651 The complaint Miss J complains that NewDay Ltd (trading as Aqua) charged too much interest on her credit card account and would not allow her to do a balance transfer. What happened Miss J says Aqua approved a card and increased the limit to £3,500 even though she had a poo... (3 pages)View decision -
Decision Reference DRN-3112069
24 Mar 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3112069 The complaint Mrs B complains that Loans 2 Go Limited made an irresponsible lending decision when agreeing to provide her a loan. What happened In May 2019 Mrs B took a personal loan with Loans 2 Go for £500. The borrowing was to be repaid over a period of 18 months with monthl... (3 pages)View decision -
Decision Reference DRN-3608209
2 Aug 2022 Gain Credit LLC Not upheldConsumer CreditDRN-3608209 The complaint Mrs P complained that Gain Credit LLC (trading as ‘Lending Stream’) provided her with unaffordable loans. What happened Mrs P complained about two instalment loans she took out with Lending Stream as follows: Loan No: Date Taken Loan Term Loan Amount Highest Total... (4 pages)View decision -
Decision Reference DRN5226860
21 Oct 2019 Cabot Credit Management Group Limited Not upheldBanking and creditMr C complains that a debt Cabot Credit Management Group Limited (“Cabot”) are pursuing him for is unenforceable and that they’ve been aggressive when chasing him for it.Mr C has been represented by a third party in this complaint but for ease I will refer to Mr C throughout this decision.... (3 pages)View decision -
Decision Reference DRN0615138
13 Aug 2018 Shop Direct Finance Company Limited Not upheldBanking and creditMiss P complains Shop Direct Finance Company Limited gave her credit which she couldn’t afford. And it raised her interest rate. She says this amounted to irresponsible lending as proper checks weren’t carried out. She wants a refund of interest charges and the remai... (3 pages)View decision -
Decision Reference DRN-2762995
19 May 2021 Greenlight Credit Ltd UpheldConsumer CreditDRN-2762995 The complaint Mr S says Greenlight Credit Ltd (trading as Varooma) lent to him irresponsibly and treated him unfairly when he couldn’t repay the loan. What happened Mr S took out a 36-month loan for £4000 on 25 April 2019. The monthly repayment was £394.44 and the total repayab... (3 pages)View decision -
Decision Reference DRN-4488413
4 Mar 2024 Vanquis Bank Limited Not upheldConsumer CreditDRN-4488413 The complaint Mr D complains that Vanquis Bank Limited applied a default to his loan account after accepting the loan had been lent irresponsibly and after Mr D had maintained his payments on the agreed repayment plan. What happened Mr D was provided with a loan by Vanquis. He ... (3 pages)View decision -
Decision Reference DRN-4829343
31 Jul 2024 Next Retail Limited Not upheldConsumer CreditDRN-4829343 The complaint Miss C complains about the amount Next Retail Limited (“Next”) refunded to her as part of an irresponsible lending complaint. What happened In July 2020 Miss C entered into a Debt Arrangement Scheme (DAS) and a Debt Payment Programme (DPP) was agreed. Under the... (2 pages)View decision -
Decision Reference DRN-4904501
3 Oct 2024 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-4904501 The complaint Miss L has complained that Capital One (Europe) plc (“Capital One”), irresponsibly granted her a credit card account, which she couldn’t afford to repay. What happened Miss L took out a credit card with Capital One in March 2021, with a credit limit of £200. T... (3 pages)View decision
