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-2795418
4 May 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2795418 The complaint Mr D says Loans2Go Limited gave him loans that were unaffordable at extremely high interest rates. What happened Mr D took out seven loans from Loans2Go between December 2015 and July 2019. A summary of his borrowing follows. *top up of loan 2 Mr D says Loans2Go d... (3 pages)View decision -
Decision Reference DRN-4130939
23 May 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4130939 The complaint Mr S complains that NewDay Ltd trading as Aqua lent to him irresponsibly. What happened Mr S’s complaint is about three Aqua accounts and a Fluid account. The first Aqua account was opened in December 2016. NewDay gave Mr S a card with an initial credit limit of £... (2 pages)View decision -
Decision Reference DRN-4310593
29 Aug 2023 Madison CF UK Limited Not upheldConsumer CreditDRN-4310593 Complaint Mr M has complained about a loan Madison CF UK Limited (trading as “118 118 Money”) provided to him. He says he was lent to irresponsibly and this placed him in a worse financial position. Background 118 118 Money provided Mr M with a loan for £1,000.00 in November 20... (2 pages)View decision -
Decision Reference DRN-5540491
3 Jul 2025 Barclays Bank UK PLC Not upheldConsumer CreditDRN-5540491 The complaint Mrs H, through a representative, says Barclays Bank UK PLC trading as Tesco Bank, irresponsibly lent to her. What happened Mrs H took out a loan for £7,500 over 48 months from Tesco Bank on 4 February 2019. The monthly repayments were £165.87. Mrs H says Tesco... (2 pages)View decision -
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-2507114
15 Feb 2021 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2507114 The complaint Mr M says that he repaid in full a loan from Provident Personal Credit Limited trading as Satsuma Loans. But he says Satsuma didn’t mark it as paid on its system. Because of this, it was also reported to the credit reference agencies as still being open. Mr M says... (2 pages)View decision -
Decision Reference DRN4030568
11 Mar 2019 The Royal Bank of Scotland Plc Not upheldBanking and creditMr B took out a mortgage with The Royal Bank of Scotland Plc in 2008 through a government help-to-buy (HTB) scheme which assisted with the deposit. In 2009 he had a meeting with RBS to discuss consolidating his debts and to obtain help with home improvements.He says R... (2 pages)View decision -
Decision Reference DRN-3893995
20 Jan 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3893995 The complaint Ms F has complained that NewDay Limited irresponsibly lent to her What happened Ms F opened a shopping account with NewDay in May 2007. At that point her credit limit was set at £200. It was increased once in August 2007 to £900. Ms F says that she couldn’t affor... (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