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 18371 results
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Decision Reference DRN9780355
1 Feb 2017 HSBC Bank plc Not upheldBanking and creditMr C complains that HSBC Bank Plc acted irresponsibly when it lent him money he couldn’t afford to repay. And he’s unhappy that HSBC continued to chase the arrears on his loan account after he agreed a repayment plan. backgroundMr C says HSBC continually increased th... (3 pages)View decision -
Decision Reference DRN-1894322
3 Dec 2020 Oplo PL Ltd Not upheldConsumer CreditDRN-1894322 The complaint Mr C believes that 1 st Stop Personal Loans Limited lent to him irresponsibly by providing him with an unaffordable loan. What happened Mr C took out a fixed sum loan around June 2015. Mr C doesn't think 1 st Stop carried out the necessary checks on his fina... (2 pages)View decision -
Decision Reference DRN-4149463
6 Jun 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4149463 The complaint Mr K complains that Barclays Bank UK PLC trading as Barclaycard was irresponsible in its lending to him. What happened Mr K was provided with a credit card by Barclays in December 2016. The initial credit limit was set at £400 and wasn’t increased. Mr K says that ... (2 pages)View decision -
Decision Reference DRN5031455
21 Oct 2014 NRAM plc Not upheldBanking and creditMr B, on behalf of his parents, Mrs and the late Mr T (under two powers of attorney dated April and June 2013 respectively), complains that NRAM plc provided irresponsible lending to them.backgroundIn 1992 Mrs and the late Mr T (then aged 60 and 62 respectively), took out a repayment ... (2 pages)View decision -
Decision Reference DRN-2435811
18 Mar 2021 Western Circle Ltd Not upheldConsumer CreditDRN-2435811 The complaint Mr A says Western Circle Ltd trading as Cashfloat, irresponsibly lent to him. He says that if it had looked properly into his circumstances it would’ve seen that he had adverse credit file makers and not lent to him. What happened This complaint is about five payd... (2 pages)View decision -
Decision Reference DRN9169306
25 Oct 2019 Casheuronet UK LLC UpheldBanking and creditMr K complains that CashEuroNet UK LLC lent to him irresponsibly. At the time of the loan approval in February 2015 it traded as Pounds to Pocket. A name change means it trades more recently as OnStride. I will refer to it as CashEuroNet. backgroundMr K applied for one loan. CashEuroNet ap... (5 pages)View decision -
Decision Reference DRN-5394059
13 Mar 2025 ACI-UK LIMITED Not upheldConsumer CreditDRN-5394059 The complaint Mr R complains ACI-UK Limited haven’t removed a default applied to his credit file for a debt they hold when he thinks they should. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copied the relevan... (5 pages)View decision -
Decision Reference DRN6144580
30 Jul 2013 Barclays Bank Plc Not upheldBanking and creditMr B complains that Barclays Bank PLC trading as Barclaycard (“Barclaycard”) was irresponsible in allowing him to exceed his credit limit.background Mr B had drunk alcohol and had taken prescription medication when he used his credit card on an online gambling website one evening. The ... (2 pages)View decision -
Decision Reference DRN1110874
17 May 2017 Lloyds Bank PLC UpheldPayment protection insurance (PPI)Mr P complains that Lloyds Bank Plc (Lloyds):-Charged him twice for the payment protection insurance (PPI) premium in relation to his second loan.-Irresponsibly increased overdraft facilities and provided him with loans despite being aware that he was facing financial... (7 pages)View decision -
Decision Reference DRN-4411464
15 Nov 2023 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4411464 The complaint Miss F says Lloyds Bank PLC irresponsibly lent to her. What happened Miss F opened a credit card with Lloyds in November 2012. She was given a £750 credit limit; this was increased to £1,250 in August 2013 and to £1,750 in September 2014. It was then reduced to £1... (2 pages)View decision
