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-3358681
6 Apr 2022 Lloyds Bank PLC Not upheldConsumer CreditDRN-3358681 The complaint Miss B and Mr L complain that Lloyds Bank PLC lent irresponsibly when it approved their loan application. Miss B and Mr L also complain that Lloyds advised they could renegotiate the interest rate once the loan was active. What happened In August 2011 Miss B and M... (2 pages)View decision -
Decision Reference DRN-4366927
6 Oct 2023 Oakbrook Finance Limited Not upheldConsumer CreditDRN-4366927 Complaint Mr B has complained about a loan Oakbrook Finance Limited (trading as “Likely Loans”) provided to him. He says the loan was unaffordable given his circumstances at the time and so shouldn’t have been provided. Background Likely Loans provided Mr B with a loan for £1,5... (2 pages)View decision -
Decision Reference DRN-3944526
10 Feb 2023 Oakbrook Finance Limited Not upheldConsumer CreditDRN-3944526 Complaint Mr M has complained about a loan Oakbrook Finance Limited (trading as “Likely Loans”) provided to him. He says the loan was unaffordable and so shouldn’t have been provided. Background Likely Loans provided Mr M with a loan for £10,000.00 in December 2021. This loan w... (2 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 DRN-3426404
19 Apr 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3426404 Complaint Ms N has complained about a loan AvantCredit of UK, LLC (“Avant Credit”) provided to her. She says the loan was unaffordable. Background Avant Credit provided Ms N with a loan for £6,000.00 in August 2015. This loan was due to be repaid in 36 monthly instalments of £2... (2 pages)View decision -
Decision Reference DRN-3638886
6 Dec 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3638886 The complaint Miss J complains that Madison CF UK Limited, trading as 118 118 Money (“118 118”) approved loans for her that she couldn’t afford to repay. What happened Miss J was approved for two loans by 118 118, as follows: Loan Opened Amount Term Repayments Total 1 7/12/2019... (2 pages)View decision -
Decision Reference DRN-3842622
8 Dec 2022 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-3842622 The complaint Mrs O complains that Capital One (Europe) plc (‘Capital One’) irresponsibly gave her two credit card accounts that she couldn’t afford. What happened On 5 February 2019, the first credit card account that Mrs O is complaining about was opened by Capital One with a... (2 pages)View decision -
Decision Reference DRN-4806690
16 Aug 2024 JAJA FINANCE LTD Not upheldBanking and PaymentsDRN-4806690 The complaint Miss H complains that JaJa Finance Ltd, trading as Asda Money Credit Card, irresponsibly lent to her. What happened Miss H took out a credit card from Asda Money in August 2022. She was given a credit limit of £500. This was increased to £800 in June 2023. Mi... (2 pages)View decision -
Decision Reference DRN5195879
16 Feb 2018 Shop Direct Finance Company Limited UpheldBanking and creditMr E complains that the credit extended to him by Shop Direct Finance Company Limited (Shop Direct) was irresponsible lending, given his credit history.backgroundI issued my provisional decision in January 2018. I explained I had carefully considered all of the availabl... (2 pages)View decision -
Decision Reference DRN-3684980
15 Nov 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3684980 The complaint Mr T complains that Everyday Lending Limited, trading as Everyday Loans (“Everyday”) irresponsibly provided him with a loan he couldn’t afford to repay. What happened Everyday approved a £2,500 loan for Mr T in April 2016. He was to pay 30 monthly instalments of £... (2 pages)View decision
