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 17876 results
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Decision Reference DRN-3058381
18 Feb 2022 Carcashpoint Limited UpheldConsumer CreditDRN-3058381 The complaint Mr K complains that CarCashPoint Limited (CCP) made an irresponsible lending decision when it provided him with a loan in 2014. What happened In October 2014, Mr K took out a loan for £2060 secured against his vehicle with an annual rate of interest of 213.82%. Th... (3 pages)View decision -
Decision Reference DRN-5462842
16 Apr 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5462842 The complaint Mr O complains Zopa Bank Limited (“Zopa”) hasn’t given him 8% simple interest despite upholding his irresponsible lending complaint. What happened In July 2022 Mr O was provided with a loan for £6,000.00 from Zopa. The loan was due to run for 48 months. In 20... (3 pages)View decision -
Decision Reference DRN-5422089
24 Mar 2025 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-5422089 The complaint Miss O complains Cabot Credit Management Group Limited are asking her to repay more towards a debt than they should be. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copied the relevant elements o... (4 pages)View decision -
Decision Reference DRN9780355
1 Feb 2017 HSBC Bank plc Not upheldBanking and creditMr C complains that HSBC Bank Plc acted irresponsibly when it lent him money he couldn’t afford to repay. And he’s unhappy that HSBC continued to chase the arrears on his loan account after he agreed a repayment plan. backgroundMr C says HSBC continually increased th... (3 pages)View decision -
Decision Reference DRN-3608209
2 Aug 2022 Gain Credit LLC Not upheldConsumer CreditDRN-3608209 The complaint Mrs P complained that Gain Credit LLC (trading as ‘Lending Stream’) provided her with unaffordable loans. What happened Mrs P complained about two instalment loans she took out with Lending Stream as follows: Loan No: Date Taken Loan Term Loan Amount Highest Total... (4 pages)View decision -
Decision Reference DRN9169306
25 Oct 2019 Casheuronet UK LLC UpheldBanking and creditMr K complains that CashEuroNet UK LLC lent to him irresponsibly. At the time of the loan approval in February 2015 it traded as Pounds to Pocket. A name change means it trades more recently as OnStride. I will refer to it as CashEuroNet. backgroundMr K applied for one loan. CashEuroNet ap... (5 pages)View decision -
Decision Reference DRN-5394059
13 Mar 2025 ACI-UK LIMITED Not upheldConsumer CreditDRN-5394059 The complaint Mr R complains ACI-UK Limited haven’t removed a default applied to his credit file for a debt they hold when he thinks they should. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copied the relevan... (5 pages)View decision -
Decision Reference DRN-4488413
4 Mar 2024 Vanquis Bank Limited Not upheldConsumer CreditDRN-4488413 The complaint Mr D complains that Vanquis Bank Limited applied a default to his loan account after accepting the loan had been lent irresponsibly and after Mr D had maintained his payments on the agreed repayment plan. What happened Mr D was provided with a loan by Vanquis. He ... (3 pages)View decision -
Decision Reference DRN-4411464
15 Nov 2023 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4411464 The complaint Miss F says Lloyds Bank PLC irresponsibly lent to her. What happened Miss F opened a credit card with Lloyds in November 2012. She was given a £750 credit limit; this was increased to £1,250 in August 2013 and to £1,750 in September 2014. It was then reduced to £1... (2 pages)View decision -
Decision Reference DRN-4904501
3 Oct 2024 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-4904501 The complaint Miss L has complained that Capital One (Europe) plc (“Capital One”), irresponsibly granted her a credit card account, which she couldn’t afford to repay. What happened Miss L took out a credit card with Capital One in March 2021, with a credit limit of £200. T... (3 pages)View decision
