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 19738 results
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Decision Reference DRN-1894322
3 Dec 2020 Oplo PL Ltd Not upheldConsumer CreditDRN-1894322 The complaint Mr C believes that 1 st Stop Personal Loans Limited lent to him irresponsibly by providing him with an unaffordable loan. What happened Mr C took out a fixed sum loan around June 2015. Mr C doesn't think 1 st Stop carried out the necessary checks on his fina... (2 pages)View decision -
Decision Reference DRN-4149463
6 Jun 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4149463 The complaint Mr K complains that Barclays Bank UK PLC trading as Barclaycard was irresponsible in its lending to him. What happened Mr K was provided with a credit card by Barclays in December 2016. The initial credit limit was set at £400 and wasn’t increased. Mr K says that ... (2 pages)View decision -
Decision Reference DRN1110874
17 May 2017 Lloyds Bank PLC UpheldPayment protection insurance (PPI)Mr P complains that Lloyds Bank Plc (Lloyds):-Charged him twice for the payment protection insurance (PPI) premium in relation to his second loan.-Irresponsibly increased overdraft facilities and provided him with loans despite being aware that he was facing financial... (7 pages)View decision -
Decision Reference DRN-4829343
31 Jul 2024 Next Retail Limited Not upheldConsumer CreditDRN-4829343 The complaint Miss C complains about the amount Next Retail Limited (“Next”) refunded to her as part of an irresponsible lending complaint. What happened In July 2020 Miss C entered into a Debt Arrangement Scheme (DAS) and a Debt Payment Programme (DPP) was agreed. Under the... (2 pages)View decision -
Decision Reference DRN5031455
21 Oct 2014 NRAM plc Not upheldBanking and creditMr B, on behalf of his parents, Mrs and the late Mr T (under two powers of attorney dated April and June 2013 respectively), complains that NRAM plc provided irresponsible lending to them.backgroundIn 1992 Mrs and the late Mr T (then aged 60 and 62 respectively), took out a repayment ... (2 pages)View decision -
Decision Reference DRN-2435811
18 Mar 2021 Western Circle Ltd Not upheldConsumer CreditDRN-2435811 The complaint Mr A says Western Circle Ltd trading as Cashfloat, irresponsibly lent to him. He says that if it had looked properly into his circumstances it would’ve seen that he had adverse credit file makers and not lent to him. What happened This complaint is about five payd... (2 pages)View decision -
Decision Reference DRN-2730818
20 Apr 2021 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-2730818 The complaint Mr K complains that Shop Direct Finance Company Limited, trading as Littlewoods (SDFC) lent to him irresponsibly. . What happened Mr K opened a catalogue shopping account with SDFC in September 2016. His credit limit was increased from £500 to £1000 in April 2017.... (3 pages)View decision -
Decision Reference DRN6144580
30 Jul 2013 Barclays Bank Plc Not upheldBanking and creditMr B complains that Barclays Bank PLC trading as Barclaycard (“Barclaycard”) was irresponsible in allowing him to exceed his credit limit.background Mr B had drunk alcohol and had taken prescription medication when he used his credit card on an online gambling website one evening. The ... (2 pages)View decision -
Decision Reference DRN5121693
17 Jul 2017 J D Williams & Company Limited UpheldBanking and creditMr S complains that J D Williams & Company Limited, trading as Fashion World, lent to him irresponsibly.backgroundMr S applied for an account with Fashion World in March 2014 and an account was opened for him with a credit limit of £125. The limit was increased to... (3 pages)View decision -
Decision Reference DRN-4118949
25 May 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4118949 The complaint Ms E complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Ms E applied for an Aqua credit card with NewDay in May 2020. In the application, Ms E said she was e... (2 pages)View decision
