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 21242 results
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Decision Reference DRN-4223182
7 Jul 2023 Oakbrook Finance Limited Not upheldConsumer CreditDRN-4223182 Complaint Miss T has complained about a loan Oakbrook Finance Limited (trading as “Finio Loans”) provided to her. She says the loan was unaffordable and so shouldn’t have been provided. Background Finio Loans provided Miss T with a loan for £2,000.00 in August 2022. This loan w... (2 pages)View decision -
Decision Reference DRN-6058756
9 Feb 2026 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-6058756 The complaint Clydesdale Bank Plc, trading as Virgin Money, provided Miss E with a credit card in May 2022. It had a credit limit of £10,000. Miss E says the credit was provided irresponsibly. What happened The details of this complaint are well known to both parties, so I ... (2 pages)View decision -
Decision Reference DRN4806858
22 Jun 2016 Casheuronet UK LLC Not upheldBanking and creditMr M complains Casheuronet UK LLC lent to him irresponsibly and chased him for a payment he’d already made.backgroundIn July 2012 Mr M took out a £700 installment loan from Pounds to Pocket. This loan was repayable over 360 days. His monthly payment was around £100.... (2 pages)View decision -
Decision Reference DRN-3660061
9 Sep 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3660061 The complaint Miss J complains that Vanquis Bank Limited was irresponsible in its lending to her. What happened Miss J applied for a Vanquis credit card in September 2020. The application was accepted and a credit limit of £1,000 provided. In February 2021, the credit limit was... (2 pages)View decision -
Decision Reference DRN-5590065
29 May 2025 Secure Trust Bank Plc UpheldConsumer CreditDRN-5590065 The complaint Miss A believes Secure Trust Bank Plc trading as Moneyway acted irresponsibly when it approved her application for car finance in January 2022. Background Miss A applied for car finance from Moneyway in January 2022. The total value of the car was £15,484, she... (4 pages)View decision -
Decision Reference DRN-4348631
5 Oct 2023 Lendable Ltd UpheldConsumer CreditDRN-4348631 The complaint Mr B complains Lendable Ltd lent to him irresponsibly. What happened Mr B took out a £3,000 loan with Lendable in July 2022, and the total amount he needed to repay was just over £5,000. The loan had a term of three years, and the monthly repayments were around £1... (4 pages)View decision -
Decision Reference DRN-5028737
30 Dec 2024 PayPal (Europe) S.à r.l et Cie, S.C.A. UpheldBanking and PaymentsDRN-5028737 The complaint Mr F through his representative complains that PayPal (Europe) Sarl Et Cie Sca (“PayPal”) approved a credit account for him in 2018 when he could not afford it and then approved a series of credit limit increases irresponsibly. What happened Mr F took a PayPal ... (4 pages)View decision -
Decision Reference DRN-4060888
11 May 2023 Next Retail Limited Not upheldConsumer CreditDRN-4060888 The complaint Miss P complains that Next Retail Limited (‘Next’) irresponsibly gave her a running account credit facility that she couldn’t afford. What happened In May 2018, Miss P applied for a catalogue shopping account through Next. She was given an initial credit limit of ... (2 pages)View decision -
Decision Reference DRN-4737850
30 Apr 2024 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-4737850 The complaint Mr C complains that Clydesdale Bank Plc trading as Virgin Money lent irresponsibly when it approved his credit card application. What happened In August 2019 Mr C applied for a credit card with Virgin Money. In his application, Mr C said he was employed with an in... (2 pages)View decision -
Decision Reference DRN-4817725
24 May 2024 Loans 2 Go Limited Not upheldConsumer CreditDRN-4817725 The complaint Ms B complains that Loans 2 Go Limited was irresponsible in its lending to her. She also complains that the application process and after care was confusing and that the loan is incurring excessive interest. She wants the interest rate on the loan to be reduced. W... (4 pages)View decision