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-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 -
Decision Reference DRN-3502385
14 Jun 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3502385 The complaint Ms G complains that Vanquis Bank Limited (“Vanquis”) lent to her irresponsibly. What happened Ms G applied for a credit card with Vanquis in November 2016. She was accepted and given a credit limit of £250. Her credit limit was increased in January 2018 to £1,000.... (2 pages)View decision -
Decision Reference DRN9449571
2 Jan 2019 Avantcredit Of Uk, Llc Not upheldBanking and creditMr R complains that AvantCredit of UK, LLC (“AC”) engaged in irresponsible lending to him.backgroundMr R says AC didn’t carry out satisfactory credit checks and affordability checks before deciding to lend to him. He says he has email correspondence clearly showing h... (2 pages)View decision -
Decision Reference DRN-3465841
6 May 2022 Next Retail Limited UpheldConsumer CreditDRN-3465841 The complaint Mrs H says Next Retail Limited trading as Next Online (“Next”) irresponsibly lent to her. She has requested that the interest and late payment charges she paid on the account she had be refunded. What happened This complaint is about a catalogue shopping account p... (5 pages)View decision -
Decision Reference DRN-3552683
25 Jul 2022 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-3552683 The complaint Mr M complains that Tesco Personal Finance PLC, trading as Tesco Bank, was irresponsible when it allowed him to open a credit card account, and that it sent his debt to a third party debt collector in retaliation when he raised a complaint. What happened Mr M appl... (4 pages)View decision -
Decision Reference DRN-2840063
9 Jun 2021 Evergreen Finance London Limited Not upheldConsumer CreditDRN-2840063 The complaint Miss F says Evergreen Finance London Limited trading as Moneyboat lent to her irresponsibly. She says the loans caused her financial hardship and she had to borrow each month to make the repayments to them. What happened This complaint is about three loans Moneybo... (3 pages)View decision -
Decision Reference DRN-4617336
27 Feb 2024 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-4617336 The complaint Mr F says Capital One (Europe) plc irresponsibly lent to him. What happened Mr F opened a credit card account with Capital One in January 2017. The initial limit was £500 and this was increased to £750 in August 2017. He says that the credit was not affordable for... (2 pages)View decision -
Decision Reference DRN-4257416
17 Nov 2023 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-4257416 The complaint Mr J complains that Shop Direct Finance Company (‘Shop Direct’) irresponsibly gave him two revolving credit accounts that he couldn’t afford. What happened In January 2019, Mr J applied for a revolving credit account with Shop Direct. He was given an initial credi... (2 pages)View decision -
Decision Reference DRN5951235
3 Apr 2020 NewDay Ltd UpheldBanking and creditComplaintMr C has complained that NewDay Ltd (“NewDay”) irresponsibly provided him with six different card accounts which it ought to have realised that he couldn’t afford to repay.BackgroundMr C applied for and was provided with six different credit accounts with NewDay between January 20... (3 pages)View decision
