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 19751 results
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Decision Reference DRN-1766649
29 Mar 2021 Loans 2 Go Limited Not upheldConsumer CreditDRN-1766649 The complaint Ms A complained that Loans 2 Go Limited lent to her irresponsibly and that it treated her unfairly when she had payment problems. What happened Ms A was given a single loan by Loans 2 Go. Here are the loan details: Loan Date taken Date repaid Number of monthly ins... (5 pages)View decision -
Decision Reference DRN-3434456
9 Jun 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3434456 The complaint Miss M complains that Vanquis Bank Limited (“Vanquis”), irresponsibly granted her a credit card she couldn’t afford to repay. What happened In February 2021 Miss M entered into an agreement with Vanquis to have access to credit by way of a credit card account. Mis... (2 pages)View decision -
Decision Reference DRN-4060888
11 May 2023 Next Retail Limited Not upheldConsumer CreditDRN-4060888 The complaint Miss P complains that Next Retail Limited (‘Next’) irresponsibly gave her a running account credit facility that she couldn’t afford. What happened In May 2018, Miss P applied for a catalogue shopping account through Next. She was given an initial credit limit of ... (2 pages)View decision -
Decision Reference DRN-4737850
30 Apr 2024 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-4737850 The complaint Mr C complains that Clydesdale Bank Plc trading as Virgin Money lent irresponsibly when it approved his credit card application. What happened In August 2019 Mr C applied for a credit card with Virgin Money. In his application, Mr C said he was employed with an in... (2 pages)View decision -
Decision Reference DRN-4521104
16 Jan 2024 The Royal Bank of Scotland Plc Not upheldConsumer CreditDRN-4521104 The complaint Mr T says The Royal Bank of Scotland Plc (RBS) irresponsibly lent to him. What happened Mr T took out a loan online from RBS on 5 October 2022. The loan was for £15,000 over 78 months. The monthly repayments were £286 and the total repayable was £22,352.46. Mr T a... (3 pages)View decision -
Decision Reference DRN9045126
17 Jul 2017 NewDay Ltd UpheldBanking and creditMr O complains that NewDay Ltd (trading as Aqua) gave him a credit card irresponsibly at a time when he was struggling financially. He also complains the credit limit was increased after a short time and he’s now having difficulty paying off his debts.backgroundMr O ... (2 pages)View decision -
Decision Reference DRN0633294
19 Nov 2015 Barclays Bank Plc UpheldBanking and creditMr S complains that Barclays Bank PLC acted irresponsibly by allowing him to borrow on loans and credit cards over a number of years. His daughter brings the complaint on his behalf.background Mr S has banked with Barclays for many years. He borrowed on credit cards,... (2 pages)View decision -
Decision Reference DRN-5520477
9 May 2025 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5520477 The complaint Mrs S complains that Oodle Financial Services Limited (‘Oodle’), irresponsibly granted her a hire purchase agreement she couldn’t afford to repay. What happened In October 2018, Mrs S acquired a used car financed by a hire purchase agreement from Oodle, provid... (2 pages)View decision -
Decision Reference DRN-3442948
25 Apr 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3442948 Complaint Mrs G has complained about a loan AvantCredit of UK, LLC (“Avant Credit”) provided to her. She says the loan was unaffordable. Background Avant Credit provided Mrs G with a loan for £5,000.00 in April 2016. This loan was due to be repaid in 36 monthly instalments of j... (2 pages)View decision -
Decision Reference DRN-3422500
12 Apr 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3422500 Complaint Mr B has complained about a loan AvantCredit of UK, LLC (“Avant Credit”) provided to him. He says the loan was unaffordable. Background Avant Credit provided Mr B with a loan for £1,100.00 in April 2015. This loan was due to be repaid in 24 monthly instalments of just... (2 pages)View decision
