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-3487814
20 Jun 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3487814 The complaint Mr S complains that Barclays Bank UK PLC trading as Barclaycard (‘Barclaycard’) irresponsibly gave him a credit card account that he couldn’t afford. What happened In October 2017, Mr S applied for and was given a credit card account with Barclaycard. Mr S was giv... (2 pages)View decision -
Decision Reference DRN-4057625
10 May 2023 Bank of Scotland Plc Not upheldConsumer CreditDRN-4057625 The complaint Mr E complains that Bank of Scotland plc trading as Halifax (‘Halifax’) irresponsibly gave him a loan account that he couldn’t afford. What happened In 2020, Mr E took out a loan for £1,500. The loan funds were paid to reduce the overdraft on a current account. In... (2 pages)View decision -
Decision Reference DRN-3258539
16 Mar 2022 Advantage Finance Ltd Not upheldConsumer CreditDRN-3258539 The complaint Mr S complains that Advantage Finance Ltd (“Advantage”) irresponsibly granted him a loan he couldn’t afford to repay. What happened In December 2014, Mr S took receipt of a car that he financed through a hire purchase agreement with Advantage. Mr S was required to... (2 pages)View decision -
Decision Reference DRN6586740
26 Jul 2013 Bank of Scotland Plc Not upheldBanking and creditMrs B complains that she has incurred debt due to irresponsible lending and granting of unsolicited credit by Bank of Scotland plc (trading as Halifax). Mrs B says that the charges and interest applied by Halifax were unfair. Mrs B asks that the debt is written off.backgroundMrs B says... (2 pages)View decision -
Decision Reference DRN-3051844
7 Oct 2021 Madison CF UK Limited UpheldConsumer CreditDRN-3051844 The complaint Mr G says Madison CF UK Limited (trading as 118 118 Money) lent to him irresponsibly. What happened Mr G took out a 12-month instalment loan for £1,500 on 8 March 2014 from 118 118 Money. The monthly repayment was £176.53 and the total repayable was £2,118.36. He ... (3 pages)View decision -
Decision Reference DRN0283096
22 Nov 2017 Lending Stream Llc UpheldBanking and creditMiss L complains that Lending Stream LLC irresponsibly gave her instalment loans. She wants a refund of the interest she paid.backgroundMiss L had 39 loans from Lending Stream between January 2015 and December 2016. She said her debts got out of control and the lending... (2 pages)View decision -
Decision Reference DRN-6080064
23 Feb 2026 Lendable Ltd Not upheldConsumer CreditDRN-6080064 The complaint Lendable Ltd provided Miss C with a £3,000 loan in June 2025. Miss C says the credit was provided irresponsibly. What happened The details of this complaint are well-known to both parties, so I won’t repeat them again here. The facts aren’t in dispute, so I’ll... (2 pages)View decision -
Decision Reference DRN-3473210
21 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3473210 The complaint Mr S complains that NewDay Ltd (‘NewDay’) irresponsibly gave him a credit card account facility that he couldn’t afford. What happened On 24 December 2020, Mr S applied for and was given a credit card account with NewDay with a credit limit of £600 under the tradi... (2 pages)View decision -
Decision Reference DRN-6007820
10 Dec 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-6007820 The complaint Mr D complains that the Bank of Scotland plc trading as Halifax (“Halifax”) irresponsibly provided him with a credit card with a £4,500 limit which he couldn’t afford. For ease of reference, I’ve referred to Mr D when referring to both him and his representati... (2 pages)View decision -
Decision Reference DRN-3891680
18 Jan 2023 Everyday Lending Limited Not upheldConsumer CreditDRN-3891680 Complaint Mr C has complained about a loan Everyday Lending Limited (trading as “Everyday Loans”) provided to him. He says the loan was unaffordable and shouldn’t have been provided to him. Background Everyday Loans provided Mr C with a loan for £3,000.00 in January 2019. This ... (2 pages)View decision