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-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-3358681
6 Apr 2022 Lloyds Bank PLC Not upheldConsumer CreditDRN-3358681 The complaint Miss B and Mr L complain that Lloyds Bank PLC lent irresponsibly when it approved their loan application. Miss B and Mr L also complain that Lloyds advised they could renegotiate the interest rate once the loan was active. What happened In August 2011 Miss B and M... (2 pages)View decision -
Decision Reference DRN-3422500
12 Apr 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3422500 Complaint Mr B has complained about a loan AvantCredit of UK, LLC (“Avant Credit”) provided to him. He says the loan was unaffordable. Background Avant Credit provided Mr B with a loan for £1,100.00 in April 2015. This loan was due to be repaid in 24 monthly instalments of just... (2 pages)View decision -
Decision Reference DRN-3442948
25 Apr 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3442948 Complaint Mrs G has complained about a loan AvantCredit of UK, LLC (“Avant Credit”) provided to her. She says the loan was unaffordable. Background Avant Credit provided Mrs G with a loan for £5,000.00 in April 2016. This loan was due to be repaid in 36 monthly instalments of j... (2 pages)View decision -
Decision Reference DRN-5520477
9 May 2025 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5520477 The complaint Mrs S complains that Oodle Financial Services Limited (‘Oodle’), irresponsibly granted her a hire purchase agreement she couldn’t afford to repay. What happened In October 2018, Mrs S acquired a used car financed by a hire purchase agreement from Oodle, provid... (2 pages)View decision -
Decision Reference DRN-4366927
6 Oct 2023 Oakbrook Finance Limited Not upheldConsumer CreditDRN-4366927 Complaint Mr B has complained about a loan Oakbrook Finance Limited (trading as “Likely Loans”) provided to him. He says the loan was unaffordable given his circumstances at the time and so shouldn’t have been provided. Background Likely Loans provided Mr B with a loan for £1,5... (2 pages)View decision -
Decision Reference DRN-3944526
10 Feb 2023 Oakbrook Finance Limited Not upheldConsumer CreditDRN-3944526 Complaint Mr M has complained about a loan Oakbrook Finance Limited (trading as “Likely Loans”) provided to him. He says the loan was unaffordable and so shouldn’t have been provided. Background Likely Loans provided Mr M with a loan for £10,000.00 in December 2021. This loan w... (2 pages)View decision -
Decision Reference DRN-4687850
16 Apr 2024 Plata Finance Limited Not upheldConsumer CreditDRN-4687850 The complaint Mr R complains that Plata Finance Limited (who I’ll call Plata) provided him with credit he couldn’t afford to repay and that they didn’t make him aware of the interest on the loan. What happened Plata approved a loan of £3,000 for Mr R in December 2022. The loan ... (2 pages)View decision -
Decision Reference DRN-6002693
5 Feb 2026 The Royal Bank of Scotland Plc Not upheldConsumer CreditDRN-6002693 The complaint The Royal Bank of Scotland Plc (RBS) provided Ms P with a loan in 2023. Ms P says the loan was provided irresponsibly. What happened RBS provided the loan for £10,000, with monthly repayments of around £130 required for 96 months. RBS didn’t agree they had le... (3 pages)View decision