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-4087177
4 May 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4087177 The complaint Mr D complains that Barclays Bank UK PLC trading as Barclaycard was irresponsible in its lending to him. What happened Mr D was provided with a Barclaycard in February 2019. The credit limit was £1,900 and this didn’t change in the period up to Mr D’s complaint. M... (2 pages)View decision -
Decision Reference DRN-2771473
24 Aug 2021 Gain Credit LLC Not upheldConsumer CreditDRN-2771473 The complaint Mr H says Gain Credit LLC trading as Lending Stream lent to him irresponsibly. He says the correct checks weren’t made before Gain Credit approved the lending. What happened This complaint is about one instalment loan Lending Stream provided to Mr H on 14 December... (2 pages)View decision -
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 DRN5187342
26 Jul 2013 Vanquis Bank Limited Not upheldBanking and creditMs T complains that Vanquis Bank Limited (“Vanquis”) did not respond when she wrote to it about her credit card debt. She says the bank continued to levy charges. She complains about irresponsible lending. backgroundMs T wrote a letter to Vanquis in autumn 2012 saying that she was in fin... (2 pages)View decision -
Decision Reference DRN-3994673
5 Apr 2023 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-3994673 The complaint Miss B complains that Capital One (Europe) plc (“Capital One”) irresponsibly granted her a credit card she couldn’t afford to repay. What happened In October 2021 Miss B entered into an agreement with Capital One to have access to credit by way of a credit card ac... (2 pages)View decision -
Decision Reference DRN-3579833
5 Jul 2022 Next Retail Limited Not upheldConsumer CreditDRN-3579833 The complaint Ms S complains that Next Retail Limited (“Next”) irresponsibly gave her a running account credit facility that she couldn’t afford. What happened Ms S has complained about unaffordable lending on a shopping credit account that she took out with Next. In June 2020,... (2 pages)View decision -
Decision Reference DRN-3419954
12 May 2022 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-3419954 The complaint Mr B complains that Moneybarn No.1 Limited (“Moneybarn”), trading as Moneybarn, irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In April 2016, Mr B acquired a used car financed by a conditional sale agreement from ... (2 pages)View decision -
Decision Reference DRN-3898349
15 Jun 2023 Lendable Ltd Not upheldBanking and PaymentsDRN-3898349 The complaint Mr W complains that Lendable Ltd trading as Zable (Zable) irresponsibly issued him with a credit card. What happened Mr W successfully applied for a credit card with Zable in March 2022. He was given a credit limit of £200, which wasn’t raised. He maintained the a... (2 pages)View decision -
Decision Reference DRN-5623434
23 Sep 2025 Admiral Financial Services Limited Not upheldConsumer CreditDRN-5623434 The complaint Admiral Financial Services Limited provided Miss M with a £3,000 loan in 2023, and it had a 24-month term. The total amount repayable was £4,225.20 with monthly repayments of £176.05. Miss M says the loan was provided irresponsibly. What happened The details o... (2 pages)View decision -
Decision Reference DRN-2911689
20 Aug 2021 Valour Finance Limited Not upheldConsumer CreditDRN-2911689 The complaint Mr T says Valour Finance Limited trading as Savvy.co.uk lent to him irresponsibly. He says he had significant financial and mental health problems at the time of lending. These would mean it wouldn’t be possible for him to repay the loans in a sustainable way. He ... (2 pages)View decision
