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-4083733
4 May 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4083733 The complaint Mr J complains that NewDay Lyd trading as Aqua lent to him irresponsibly. What happened Mr J applied for a credit card with Aqua in July 2021. It was approved with an initial credit limit of £450. The credit limit was later increased to £1200. Mr J complained that... (2 pages)View decision -
Decision Reference DRN5907607
7 Aug 2014 Lloyds Bank PLC Not upheldBanking and creditMs T claims Lloyds Bank PLC has been irresponsible in lending to her and this has contributed to her financial difficulties. She wants compensation from Lloyds.backgroundMs T took out a personal Loan in 2008 to repay a credit card and overdraft. This was consolidated into a new higher lo... (2 pages)View decision -
Decision Reference DRN-3972279
24 Mar 2023 Madison CF UK Limited UpheldConsumer CreditDRN-3972279 The complaint Mr A complains about the loan Madison CF UK LLC, trading as 118 118 Money, approved for him. He says it was unaffordable. Mr A also says that Madison got it wrong by not accepting his reduced settlement figure when he offered it to them. He says Madison has report... (8 pages)View decision -
Decision Reference DRN-2031334
24 Jul 2020 Gain Credit LLC UpheldConsumer CreditDRN-2031334 The complaintMr M complains that he was frustrated at the technical issues surrounding his on-line account with Gain Credit LLC, trading as Lending Stream. What has happenedThe history and facts of this complaint are in my provisional decision which I issued on 18 June 2020, a... (4 pages)View decision -
Decision Reference DRN-4584140
29 Feb 2024 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-4584140 The complaint Mr G complains Clydesdale Bank Plc trading as Virgin Money lent to him irresponsibly. What happened Mr G successfully applied for a credit card with Clydesdale in July 2018. When his application was approved, he was given a £9,000 credit limit. Mr G’s complained C... (3 pages)View decision -
Decision Reference DRN-6050359
11 Feb 2026 PDL Finance Limited Not upheldConsumer CreditDRN-6050359 The complaint Mr T complains that PDL Finance Limited trading as Mr Lender lent to him irresponsibly four times between April 2022 and January 2025. What happened The loans ranged from £200 to £790. There were significant gaps between Loans 1 and 2 and Loans 3 and 4. The de... (2 pages)View decision -
Decision Reference DRN-5755574
9 Dec 2025 Paragon Bank Plc Not upheldConsumer CreditDRN-5755574 The complaint Paragon Bank Plc (‘Paragon’) provided Mr B with a hire purchase agreement in June 2018. Mr B purchased a used car which had a price of £63,000, he paid a £2,000 deposit and he was due to make one repayment of £1,297.50, then 47 repayments of £1,122.50 and then ... (2 pages)View decision -
Decision Reference DRN-3628119
18 Aug 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3628119 The complaint Mrs W complains that Barclays Bank UK PLC, trading as Barclaycard (“Barclaycard”), irresponsibly granted her a credit card she couldn’t afford to repay. What happened In January 2018 Mrs W entered into an agreement with Barclaycard to have access to credit by way ... (2 pages)View decision -
Decision Reference DRN-5842832
30 Sep 2025 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-5842832 The complaint Mr S complains Moneybarn No.1 Limited (Moneybarn) irresponsibly lent because it didn’t carry out reasonable and proportionate checks to ensure the lending was affordable. What happened Mr S entered into a conditional sale agreement with Moneybarn in order to a... (4 pages)View decision -
Decision Reference DRN-5767695
9 Dec 2025 MotoNovo Finance Limited UpheldConsumer CreditDRN-5767695 The complaint MotoNovo Finance Limited (‘MotoNovo’) provided Mr D with a hire purchase agreement in October 2019. The car price was £5,999, Mr D paid a £3,000 deposit and borrowed £2,999. He was due to repay 36 monthly repayments of £109. Mr D says the credit was provided ir... (2 pages)View decision