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-3645348
22 Sep 2022 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-3645348 The complaint Ms C complains that Shop Direct Finance Company Limited (“SD”), trading as very, provided her with credit she couldn’t afford to repay. What happened Ms C was approved for a mail order account in June 2016 and in November 2016 that was converted into a credit acco... (2 pages)View decision -
Decision Reference DRN-4668921
3 Apr 2024 MBNA Limited Not upheldBanking and PaymentsDRN-4668921 The complaint Mr G complains that MBNA Limited lent to him irresponsibly. What happened Mr G applied for a credit card with MBNA in July 2019. He was accepted and given a credit limit of £6,000 which was never increased. In February 2023 Mr G complained to MBNA. He said MBNA sh... (2 pages)View decision -
Decision Reference DRN3566440
11 Feb 2015 Tesco Personal Finance PLC Not upheldBanking and creditMr D complains that Tesco Personal Finance PLC applied irresponsible lending criteria when approving his loan application. backgroundMr D applied successfully online for a five figure loan. When his circumstances changed shortly after, the loan repayments became unaffordable. He’s question... (2 pages)View decision -
Decision Reference DRN-3792613
8 Dec 2022 Studio Retail Limited Not upheldConsumer CreditDRN-3792613 The complaint Mr D has complained that Studio Retail Limited (“Studio Retail”), trading as Ace, irresponsibly lent to him. What happened Mr D opened a shopping account with Studio Retail in May 2018. At that point his credit limit was set at £100. It was increased five times be... (2 pages)View decision -
Decision Reference DRN-4370050
11 Oct 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4370050 The complaint Mr W says Barclays Bank UK PLC, trading as Barclaycard, irresponsibly lent to him. What happened Barclaycard provided Mr W with a credit card with a limit of £400 in February 2022. The account was a credit builder card and the limit could not be increased in the f... (2 pages)View decision -
Decision Reference DRN-3561431
24 Jun 2022 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3561431 The complaint Ms M says Vanquis Bank Limited (“Vanquis”) irresponsibly lent to her. What happened This complaint is about a credit card Vanquis provided. Our adjudicator upheld Ms M’s complaint, as it believed the lending was unaffordable. Vanquis asked for some evidence from u... (2 pages)View decision -
Decision Reference DRN-4048862
11 Apr 2023 Everyday Lending Limited UpheldConsumer CreditDRN-4048862 Complaint Mr M has complained about a personal loan Everyday Lending Limited (trading as “Everyday Loans”) provided to him. He says the loan was unaffordable. Background Everyday Loans provided Mr M with a loan for £1,000.00 in October 2019. This loan had an APR of 127.1% and a... (2 pages)View decision -
Decision Reference DRN-3760337
9 Nov 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3760337 Complaint Ms H has complained about a loan Madison CF UK Limited (trading as “118 118 Money”) provided to her. She says that the loan was irresponsibly lent. Background 118 118 Money provided Ms H with a first loan for £2,500.00 in November 2021. This loan was due to be repaid ... (2 pages)View decision -
Decision Reference DRN-4036245
24 Mar 2023 Madison CF UK Limited Not upheldConsumer CreditDRN-4036245 Complaint Mrs G has complained about a loan Madison CF UK Limited (trading as “118 118 Money”) provided to her. She says that the loan was irresponsibly lent. Background 118 118 Money provided Mrs G with a first loan for £3,500.00 in June 2021. This loan was due to be repaid in... (2 pages)View decision -
Decision Reference DRN3066545
11 Sep 2015 WDFC UK Limited UpheldBanking and creditMr B complains that WDFC UK Limited (trading as Wonga.com) didn’t carry out proper checks, irresponsibly lent him money and his payday loans were unaffordable. backgroundMr B borrowed from Wonga 55 times. He took out 39 payday loans. Some loans were also topped up more th... (2 pages)View decision
