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 DRN9311576
29 Jan 2020 Elevate Credit International Limited Not upheldBanking and creditMiss P says Elevate Credit International Limited (‘ECI’) irresponsibly lent to her.backgroundThis complaint is about 16 instalment loans which ECI provided to Miss P between July 2016 and February 2017. Miss P complained the loans were not affordable or sustainable, so she concluded ECI ha... (2 pages)View decision -
Decision Reference DRN-5956071
22 Jan 2026 Gain Credit LLC Not upheldConsumer CreditDRN-5956071 The complaint Miss B complains that Gain Credit LLC trading as Lending Stream lent to her irresponsibly. What happened Miss B took two loans from Lending Stream. Loan 1 was taken in August 2024 for £550 and paid off 28 March 2025. Loan 2 was taken in April 2025 for £1,000. I... (2 pages)View decision -
Decision Reference DRN-5947885
17 Nov 2025 Bank of Scotland Plc UpheldBanking and PaymentsDRN-5947885 Complaint Mr B has complained about a credit card as well as a subsequent limit increase that Bank of Scotland plc (trading as “Halifax”) provided to him. He says that credit card and limit increase were agreed to on the basis of incorrect information and therefore the chec... (4 pages)View decision -
Decision Reference DRN-5803267
18 Sep 2025 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-5803267 The complaint Miss G complains that Link Financial Outsourcing Limited (Link) hasn’t acted fairly when dealing with her account. What happened Miss G had a catalogue shopping account with a company I’ll refer to as J. Miss G’s account fell into arrears and J sold the account... (2 pages)View decision -
Decision Reference DRN-3075324
20 Dec 2021 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-3075324 The complaint Mr S complains that Moneybarn No. 1 Limited (“Moneybarn”) irresponsibly granted him a loan he couldn’t afford to repay. What happened In April 2015, Mr S acquired a car and financed it through a regulated a consumer credit agreement with Moneybarn. Mr S was requir... (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-6011762
28 Jan 2026 Madison CF UK Limited Not upheldBanking and PaymentsDRN-6011762 The complaint Miss D complains that Madison CF UK Limited trading as 118 118 Money irresponsibly lent to her. What happened Miss D was approved for a 118 118 Money credit card in December 2021, with a £1,200 credit limit. Miss D says this was irresponsibly lent to her, and s... (3 pages)View decision -
Decision Reference DRN-6034064
2 Jan 2026 MONEYBARN NO.1 LIMITED UpheldConsumer CreditDRN-6034064 The complaint Mr T complains that MONEYBARN NO.1 LIMITED trading as Moneybarn approved a vehicle finance agreement in 2015 which he says he could not afford to repay. What happened This is a short summary as a significant part of the complaint has been agreed between the pa... (2 pages)View decision -
Decision Reference DRN9061701
20 Feb 2014 National Westminster Bank Plc Not upheldBanking and creditMr and Mrs J complain that they were wrongly sold a loan and overdraft by National Westminster Bank Plc.backgroundMr and Mrs J wanted to remortgage with National Westminster. During the application process, they arranged a short term loan and overdraft so that their planned building w... (2 pages)View decision -
Decision Reference DRN-5981108
18 Dec 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5981108 Complaint Miss M has complained that Capital One Europe plc (“Capital One”) irresponsibly provided credit cards as well as subsequent credit limit increases to her. She says that the credit cards and limit increases were unaffordable and this caused difficulty going forward.... (5 pages)View decision