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-5921590
9 Dec 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5921590 The complaint Zopa Bank Limited provided Mr T with a loan for £15,000 in 2021 and a loan for £20,000 in 2022. Mr T says the loans were provided irresponsibly. What happened The details of this complaint are well-known to both parties, so I won’t repeat them again here. The ... (2 pages)View decision -
Decision Reference DRN-4211006
12 Jul 2023 Lowell Financial Ltd Not upheldBanking and PaymentsDRN-4211006 The complaint Mrs K complains about the way that Lowell Financial Ltd (Lowell) has managed the collection of a debt in her name. What happened Lowell Portfolio I Limited bought an outstanding debt in Mrs K’s name and appointed Lowell to manage collection on its behalf. The debt... (2 pages)View decision -
Decision Reference DRN-5799038
16 Dec 2025 Argos Limited Not upheldConsumer CreditDRN-5799038 The complaint Argos Limited trading as Argos Card (“Argos”) provided Miss Q with a store card in March 2019. It had a credit limit of £750 that wasn’t changed during the time Miss Q held the card. Miss Q says the credit was provided irresponsibly. What happened The details ... (2 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 DRN-2031334
24 Jul 2020 Gain Credit LLC UpheldConsumer CreditDRN-2031334 The complaintMr M complains that he was frustrated at the technical issues surrounding his on-line account with Gain Credit LLC, trading as Lending Stream. What has happenedThe history and facts of this complaint are in my provisional decision which I issued on 18 June 2020, a... (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 DRN-4110456
26 May 2023 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-4110456 The complaint Mr D complains that Specialist Motor Finance Limited trading as Specialist Motor Finance irresponsibly granted him a hire purchase agreement he couldn’t afford to repay. What happened In May 2021, Mr D acquired a used car financed by a hire purchase agreement from... (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 -
Decision Reference DRN0509010
8 Jul 2016 Casheuronet UK LLC Not upheldBanking and creditMiss H’s complaint is that Casheuronet UK LLC (“Casheuronet”) loaned to her irresponsibly, when it should have known the borrowing was unaffordable for her. backgroundMiss H took out loans with two of Casheuronet’s subsidiary businesses, Quickquid and Poundstopocket, ... (2 pages)View decision