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 21091 results
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Decision Reference DRN-5496986
28 Apr 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5496986 Complaint Mr M has complained about credit cards Capital One (Europe) plc (“Capital One”) provided to him. He says that the credit cards and the subsequent limit increases shouldn’t have been provided as they were unaffordable for him and this caused the lending relationship... (7 pages)View decision -
Decision Reference DRN-3084855
9 Nov 2021 247 Money Group Limited Not upheldConsumer CreditDRN-3084855 The complaint Mr C complains that 247 Money Group Limited trading as 247Money irresponsibly granted him a hire purchase agreement he couldn’t afford to repay. What happened In October 2019 Mr C acquired a used car financed by a hire purchase agreement from 247Money. Mr C was re... (2 pages)View decision -
Decision Reference DRN2350951
26 Apr 2018 Shop Direct Finance Company Limited Not upheldBanking and creditMr M complains that Shop Direct Finance Company Limited engaged in irresponsible lending to him.backgroundMr M says SDF shouldn’t have allowed him to borrow from it, due to having a bad credit rating. He says if it had looked into his finances in more detail it would... (2 pages)View decision -
Decision Reference DRN-3699580
27 Oct 2022 Lendable Ltd UpheldConsumer CreditDRN-3699580 The complaint Mr J complains that Lendable Ltd lent to him irresponsibly What happened Using information from Lendable Ltd, here is a summary of Mr J’s loan. It remains outstanding. Loan Date taken Amount Term Monthly repayment 1 15/04/2021 £1,000 24 months £51.92 Mr J complain... (3 pages)View decision -
Decision Reference DRN-6023651
20 Jan 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6023651 The complaint Mrs S complains that NewDay Ltd trading as Pulse (“NewDay”) irresponsibly provided her with a credit card and subsequent credit limit increases she couldn’t afford. For ease of reference, I’ve referred to Mrs S when referring to both her and her representative... (5 pages)View decision -
Decision Reference DRN-3826683
25 Nov 2022 Fluro Platform Limited Not upheldConsumer CreditDRN-3826683 The complaint Mr N complains that Fluro Platform Limited, trading as Lending Works (“Lending Works”) shouldn’t have lent to him because it ought reasonably to have realised that he would struggle to make his repayments. What happened Lending Works approved a loan of £1,000 for ... (2 pages)View decision -
Decision Reference DRN-4672615
26 Mar 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4672615 The complaint Miss M complains that HSBC UK Bank Plc was irresponsible in its lending to her. What happened Miss M says that HSBC gave her a £5,000 overdraft when she graduated even though her monthly income was £1,200. And it also provided her with a credit card with a high cr... (2 pages)View decision -
Decision Reference DRN-3704982
29 Sep 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3704982 The complaint Ms G complains that AvantCredit of UK LLC lent to her when she could not afford it. What happened Ms G’s application to AvantCredit did state that she needed the £6,000 loan in 2016 for debt consolidation. Recently AvantCredit has made submissions on that and I wi... (5 pages)View decision -
Decision Reference DRN-4232893
31 Jul 2023 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4232893 The complaint Mr and Mrs W complain that Lloyds Bank PLC (“Lloyds”) acted irresponsibly when it allowed them to increase their overdraft limit from £1,000 to £2,500. They want Lloyds to remove the default applied to their credit files. What happened Mr and Mrs W held an accoun... (3 pages)View decision -
Decision Reference DRN-4765626
6 Nov 2024 Lowell Financial Ltd Not upheldConsumer CreditDRN-4765626 The complaint Mr P complains that Lowell Financial Ltd (Lowell) are incorrectly reporting a default on his credit file after it agreed to a medical write off of his account. What happened Mr P had a credit card account with a company I’ll call A for the purposes of this deci... (2 pages)View decision