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 DRN-6042888
6 Jan 2026 Bamboo Limited Not upheldConsumer CreditDRN-6042888 The complaint Mr B complains that Bamboo Limited irresponsibly provided him with a loan for £3,000 which he couldn’t afford and that it has reported subsequent defaults on his credit file. What happened The details of this complaint are well-known to both parties, so I won’... (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 DRN5436535
9 Aug 2019 UK Credit Limited UpheldBanking and creditMr B has complained that UK Credit Limited (“UK Credit”) irresponsibly provided him with an unaffordable guarantor loan. He says that he shouldn’t have been given the loan due to his situation and the risk that he posed bearing in mind his existing debt and gambling addiction. backgroundUK... (12 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 -
Decision Reference DRN-5072306
18 Oct 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5072306 The complaint Miss K says Vanquis Bank Limited irresponsibly lent to her. What happened Miss K took out a credit card from Vanquis in November 2021.She was given a £250 credit limit. The account defaulted in June 2022. Miss K says defaulting on this account has had significa... (3 pages)View decision -
Decision Reference DRN-3654212
10 Oct 2022 Lendable Ltd Not upheldBanking and PaymentsDRN-3654212 The complaint Mrs T says Lendable Ltd irresponsibly lent to her. What happened Mrs T’s complaint is about a credit card supplied by Lendable. The account was opened in February 2022 with an initial credit limit of £200. Mrs T complains that Lendable irresponsibly lent to her. O... (2 pages)View decision -
Decision Reference DRN-3092114
21 Dec 2021 TFS Loans Limited UpheldConsumer CreditDRN-3092114 The complaint Mrs C has complained that TFS Loans Limited (“TFS Loans”) provided her with an unaffordable loan. What happened TFS Loans provided Mrs C with a loan of £5,000 in August 2010. This loan had a 30-month term with a monthly repayment amount of £299.94. This all meant ... (4 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-4617270
8 Apr 2024 Omni Capital Retail Finance Limited Not upheldConsumer CreditDRN-4617270 The complaint Miss M complains that Omni Capital Retail Finance Limited (‘Omni Capital’) irresponsibly gave her a loan that she couldn’t afford. What happened On 24 January 2022, Miss M applied for a loan with Omni Capital. The loan was for £3,990 before interest and the monthl... (2 pages)View decision -
Decision Reference DRN-2847738
7 Jul 2021 Morses Club PLC Not upheldConsumer CreditDRN-2847738 The complaint Mrs P complains that Morses Club PLC lent to her irresponsibly. What happened Mrs P has supplied the copy agreements for loans 2, 3 and 4, which has been helpful as Morses supplied a brief loan table and no documentation at all. It explained that the time between ... (6 pages)View decision