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-3666213
4 Oct 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3666213 The complaint Mr S says that Loans 2 Go Limited irresponsibly lent to him. What happened Mr S’s complaint is about a loan provided by Loans 2 Go. The loan was for £1850 over 18 months and was advanced in September 2021. Mr S complains that Loans 2 Go lent irresponsibly to him. ... (2 pages)View decision -
Decision Reference DRN-5054574
3 Oct 2024 HSBC UK Bank Plc UpheldConsumer CreditDRN-5054574 The complaint Mr J complains that HSBC UK Bank Plc lent irresponsibly when it approved a managed loan to consolidate existing debts. What happened Mr J had a loan, overdraft and credit card with HSBC. Mr J’s explained that he wasn’t able to maintain the loan repayments and ... (4 pages)View decision -
Decision Reference DRN-2847946
31 Jan 2022 Oakbrook Finance Limited Not upheldConsumer CreditDRN-2847946 Complaint Mr S has complained about a loan Oakbrook Finance Limited (trading as “Likely Loans”) provided to him. He says the loan was irresponsibly provided to him. Background One of our investigators reviewed what Mr S and Likely Loans had told us. And she didn’t uphold the co... (2 pages)View decision -
Decision Reference DRN-5498107
28 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5498107 The complaint Miss C has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to her. She says the credit card was unaffordable and so shouldn’t have been provided to her. Background Vanquis provided Miss C with a credit card with an initial... (2 pages)View decision -
Decision Reference DRN-3753576
8 Nov 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3753576 The complaint Ms D complains that Barclays Bank UK PLC trading as Barclaycard (‘Barclaycard’) irresponsibly gave her a credit card account and subsequent credit limit increases that she couldn’t afford. What happened In March 2005 Ms D applied for a credit card account with Bar... (2 pages)View decision -
Decision Reference DRN-3238711
11 Apr 2022 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-3238711 The complaint Mr G complains that Moneybarn No. 1 Limited (“Moneybarn”) irresponsibly granted him a loan he could not afford to repay. What happened In February 2016, Mr G acquired a car and financed the deal through a conditional sale agreement with Moneybarn. Mr G was require... (2 pages)View decision -
Decision Reference DRN-4013280
24 Mar 2023 MBNA Limited Not upheldBanking and PaymentsDRN-4013280 The complaint Mr A complains that MBNA Limited lent irresponsibly when it approved a credit card in his name with a limit of £1,000. What happened In 2019 Mr A applied for a credit card with MBNA. In the application Mr A said he was living with family and wasn’t paying rent. Mr... (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 DRN9285195
7 Nov 2019 Gain Credit LLC Not upheldBanking and creditMr W says Gain Credit LLC (trading as Drafty) lent to him irresponsibly.backgroundDrafty approved a line of credit for Mr W in July 2016, with a credit limit of £500. The minimum monthly repayment was variable, but if Mr W drew down up to his credit limit his monthly repayment would’ve bee... (2 pages)View decision -
Decision Reference DRN-2447268
21 Dec 2020 Gain Credit LLC Not upheldConsumer CreditDRN-2447268 The complaint Miss J complains that Gain Credit LLC, trading as Lending Stream, lent to her irresponsibly. Miss J also complains that default notices were issued, she tried to call to discuss and/or pay down the account, but received no response. So, Miss J says that the subseq... (4 pages)View decision
