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 21385 results
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Decision Reference DRN-1950828
14 Jul 2020 Greenwood Personal Credit Limited UpheldConsumer CreditDRN-1950828 The complaintMiss P complains that Greenwood Personal Credit Limited (referred to here as ‘Provident’) lent to her irresponsibly. What happenedProvident Personal Credit has explained ‘Greenwoods Personal Credit was purchased by the Provident Financial Group and after amalgamat... (5 pages)View decision -
Decision Reference DRN-4110456
26 May 2023 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-4110456 The complaint Mr D complains that Specialist Motor Finance Limited trading as Specialist Motor Finance irresponsibly granted him a hire purchase agreement he couldn’t afford to repay. What happened In May 2021, Mr D acquired a used car financed by a hire purchase agreement from... (2 pages)View decision -
Decision Reference DRN-4673536
13 Mar 2024 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-4673536 The complaint Miss J complains that Clydesdale Financial Services Limited trading as Barclays Partner Finance (“BPF”) shouldn’t have, in 2012, lent to her under a fixed sum loan agreement (“agreement”) because that agreement was unaffordable. What happened In May 2012 Miss J en... (6 pages)View decision -
Decision Reference DRN-3696526
31 Oct 2022 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3696526 The complaint Miss N complains that HSBC UK Bank Plc (HSBC) irresponsibly granted her credit that she couldn’t afford to pay. What happened HSBC approved a credit card application for Miss N in December 2019. It provided an initial credit limit of £1500. This was increased to £... (2 pages)View decision -
Decision Reference DRN-5934041
9 Feb 2026 Barclays Bank UK PLC Not upheldConsumer CreditDRN-5934041 The complaint Barclays Bank UK PLC provided Mr S with the following loans: Date Amount Monthly repayments Term (months) February 2022 £14,000 £380.14 60 May 2024£2,000£77.6 36 Mr S says that loans were unaffordable and provided irresponsibly. What happened The details of ... (2 pages)View decision -
Decision Reference DRN0509010
8 Jul 2016 Casheuronet UK LLC Not upheldBanking and creditMiss H’s complaint is that Casheuronet UK LLC (“Casheuronet”) loaned to her irresponsibly, when it should have known the borrowing was unaffordable for her. backgroundMiss H took out loans with two of Casheuronet’s subsidiary businesses, Quickquid and Poundstopocket, ... (2 pages)View decision -
Decision Reference DRN-3427111
31 May 2022 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-3427111 The complaint Miss P complains that Capital One (Europe) plc (‘Capital One’) irresponsibly gave her a credit card account that she couldn’t afford. What happened On 30 January 2018, Miss P applied for a credit card account with Capital One. She was given an initial credit limit... (2 pages)View decision -
Decision Reference DRN-3826415
25 Nov 2022 Nationwide Building Society Not upheldConsumer CreditDRN-3826415 The complaint Ms B complains that Nationwide Building Society (‘Nationwide’) irresponsibly gave her two loans that she couldn’t afford. What happened On 26 March 2009, Ms B applied for a loan with Nationwide. The loan amount was £15,000, the term was 60 months and the monthly r... (2 pages)View decision -
Decision Reference DRN-1685715
15 Sep 2020 Gain Credit LLC UpheldConsumer CreditDRN-1685715The complaintMr R says Gain Credit LLC trading as Lending Stream, irresponsibly lent to him. He says that he couldn’t afford the loan repayments and struggled to meet his household expenditure. He says that Lending Stream should’ve seen this and not lent to him. What happenedThi... (3 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