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-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 DRN-3621998
25 Aug 2022 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-3621998 The complaint Mr F, who is represented by a third party, complains that Moneybarn No. 1 Limited (“Moneybarn) irresponsibly granted him a conditional sale agreement (“agreement”) he couldn’t afford to repay. What happened In January 2016, Mr F acquired a used car financed by an ... (2 pages)View decision -
Decision Reference DRN-2811204
6 Jul 2021 Harvey & Thompson Limited Not upheldConsumer CreditDRN-2811204 The complaint Ms W complains Harvey & Thompson Limited trading as H&T Pawnbrokers (“H&T”) lent to her irresponsibly. She also says that the application of daily interest to her lending has made it impossible to repay her loan. What happened Ms W took two instalment... (4 pages)View decision -
Decision Reference DRN-3344134
31 Mar 2022 Shop Direct Finance Company Limited UpheldConsumer CreditDRN-3344134 The complaint Miss S says Shop Direct Finance Company Limited (“Shop Direct”) irresponsibly lent to her. What happened Miss S opened a shopping account with Shop Direct in March 2019. Her account limit was initially £250. It was then increased on three occasions between Septemb... (4 pages)View decision -
Decision Reference DRN-5224278
27 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5224278 Complaint Mr O has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided him with a credit card. He’s said that that this impacted on his position going forward and caused him difficulty. Background This complaint is about a credit card Vanquis initially p... (4 pages)View decision -
Decision Reference DRN-4480682
5 Dec 2023 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4480682 The complaint Mr S says Vanquis Bank Limited irresponsibly lent to him. What happened Mr S says Vanquis increased the limit on his credit card three times by large amounts which plunged him into debt. And he had not given his consent. Mr S opened his account in March 2017, he w... (3 pages)View decision -
Decision Reference DRN4336816
14 Oct 2016 Wage Day Advance Limited Not upheldBanking and creditMr H’s unhappy about Wage Day Advance Limited’s irresponsible lending to him. He wants the amount he owes written off, compensation and his credit file amended. backgroundWage Day Advance says Mr H took out one loan for £300 on the 22 January 2016. It was repayable o... (2 pages)View decision -
Decision Reference DRN-3641564
18 Aug 2022 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-3641564 The complaint Mr W complains that Moneybarn No. 1 Limited irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In May 2018, Mr W acquired a used car financed by a conditional sale from Moneybarn. Mr W made an advance payment of £4,90... (2 pages)View decision -
Decision Reference DRN-3927509
2 Feb 2023 Stagemount Limited Not upheldConsumer CreditDRN-3927509 The complaint Miss R complains Stagemount Limited trading as Quid Market (Quid Market) gave her a loan which she couldn’t afford to repay. What happened Miss R was advanced one loan on 18 July 2018 for £400 and she was due to make six monthly repayments of £125.38. The loan was... (3 pages)View decision