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-5646219
11 Sep 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5646219 The complaint Miss O complains that Capital One (Europe) plc irresponsibly lent to her. What happened Miss O was approved for a Capital One credit card in July 2021 with a £500 credit limit. Capital One increased the credit limit to £750 in August 2023. The credit limit was ... (4 pages)View decision -
Decision Reference DRN9439390
16 Apr 2015 WDFC UK Limited UpheldBanking and creditMr A has complained that a number of loans he took out with WDFC UK Limited during 2012 and 2013 were unaffordable.backgroundMr A took out a number of loans with WDFC between 2012 and 2013. Subsequently, WDFC wrote to Mr A to say his outstanding balance had been wri... (2 pages)View decision -
Decision Reference DRN-4663994
7 May 2024 Tandem Personal Loans Ltd UpheldConsumer CreditDRN-4663994 The complaint Mr O complains that Tandem Personal Loans Ltd (“Tandem”), who were 1 st Stop Personal Loans Limited, provided him with credit that he couldn’t afford to repay. What happened Tandem approved a loan of £7,000 for Mr O in February 2020. The loan was to be repaid at £... (2 pages)View decision -
Decision Reference DRN-3626564
21 Oct 2022 Evergreen Finance London Limited UpheldConsumer CreditDRN-3626564 The complaint Miss P complains that Evergreen Finance London Limited, trading as MoneyBoat.co.uk, lent to her irresponsibly. What happened Miss P was approved for one loan of £800 on 31 March 2022 and it was repayable over four months at £310.78 each month. Miss P still owes Mo... (6 pages)View decision -
Decision Reference DRN-5470045
15 May 2025 Tesco Personal Finance Limited Not upheldBanking and PaymentsDRN-5470045 The complaint Mr F complains that Tesco Personal Finance Limited trading as Tesco Bank was irresponsible in its lending to him. He wants all interest and charges refunded along with statutory interest and any adverse information removed from his credit file. Mr F is represen... (2 pages)View decision -
Decision Reference DRN6857708
18 Mar 2016 Wage Day Advance Limited UpheldBanking and creditMr N has complained Wage Day Advance Limited didn’t check properly whether he could afford the loans he took out with them in 2013.backgroundBetween July and November 2013, Mr N took out six loans with Wage Day. These increased in value from £150 to £600. Mr N always p... (2 pages)View decision -
Decision Reference DRN8987323
30 Sep 2014 PDL Finance Limited Not upheldBanking and creditMr Q has complained that PDL Finance Limited (trading as Mr Lender) did not carry out appropriate checks into his credit history when he applied for credit with them, and the loans were not affordable.background Mr Q took out a loan with Mr Lender in 2011 for £200.... (2 pages)View decision -
Decision Reference DRN-3870334
27 Jan 2023 Plata Finance Limited Not upheldBanking and PaymentsDRN-3870334 The complaint Mr P complains that Zopa Limited (“Zopa”) irresponsibly granted him a credit card he couldn’t afford to repay. What happened In April 2021 Mr P entered into an agreement with Zopa to have access to credit by way of a credit card account. He was given a credit limi... (2 pages)View decision -
Decision Reference DRN-3919388
1 Feb 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3919388 The complaint Mr C says NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened Mr C applied for a credit card in March 2018. It was approved with a limit of £250. His credit limit was increased once to £1,250 in July 2022. After Mr C complained to NewDay saying t... (2 pages)View decision -
Decision Reference DRN-4756742
22 Apr 2024 Metro Bank PLC Not upheldConsumer CreditDRN-4756742 The complaint Miss R complains that Metro Bank PLC trading as RateSetter (“Ratesetter”) irresponsibly gave her a fixed sum loan she couldn’t afford to repay. What happened In August 2022, Miss R applied for a fixed sum loan with RateSetter. She was given a loan for £7,000. The... (2 pages)View decision
