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 DRN1424133
14 Jun 2019 Vanquis Bank Limited Not upheldBanking and creditMr A complains that Vanquis Bank Limited kept increasing the credit limit on his account when he couldn’t afford it. He says that this was irresponsible lending. backgroundMr A had a credit card with Vanquis over a number of years. Over time, Vanquis increased his c... (2 pages)View decision -
Decision Reference DRN-3434456
9 Jun 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3434456 The complaint Miss M complains that Vanquis Bank Limited (“Vanquis”), irresponsibly granted her a credit card she couldn’t afford to repay. What happened In February 2021 Miss M entered into an agreement with Vanquis to have access to credit by way of a credit card account. Mis... (2 pages)View decision -
Decision Reference DRN-5882108
23 Jan 2026 Stellantis Financial Services UK Limited UpheldConsumer CreditDRN-5882108 The complaint Stellantis Financial Services UK Limited (‘Stellantis’) provided Miss C with finance by way of a conditional sale agreement in March 2017 so that she could purchase a new car. Miss C, who is represented by a third party, says the finance was provided irresponsi... (2 pages)View decision -
Decision Reference DRN-5891502
4 Feb 2026 Inclusive Finance Limited Not upheldConsumer CreditDRN-5891502 The complaint Mr C complains that Inclusive Finance Limited trading as Creditspring lent to her irresponsibly. What happened Here is a table giving brief details of the lending. Loan Approved Amount Repayment (rounded & monthly) 1 23 November 2021 £500 £42 plus fee £8 2 ... (2 pages)View decision -
Decision Reference DRN-5624864
24 Sep 2025 Everyday Lending Limited Not upheldConsumer CreditDRN-5624864 The complaint Miss N complains that Everyday Lending Limited trading as Evlo was irresponsible in its lending to her. She wants all interest and charges refunded along with statutory interest and any adverse information removed from her credit file. What happened Miss N was ... (2 pages)View decision -
Decision Reference DRN9408494
21 Feb 2014 Carcashpoint Limited Not upheldBanking and creditMr G complains that Carcashpoint Limited misrepresented the terms of his loan agreement, and the loan was unaffordable.backgroundMr G said that CarCashPoint did not ask for any proof of income when he applied for a loan, and this was irresponsible lending. He also said he was not provi... (2 pages)View decision -
Decision Reference DRN-3344591
29 Mar 2022 Oakbrook Finance Limited Not upheldConsumer CreditDRN-3344591 Complaint Mr H has complained about a loan Oakbrook Finance Limited (trading as “Likely Loans”) provided to him. He says the loan was irresponsibly provided to him. Background One of our adjudicators reviewed what Mr H and Likely Loans had told us. And she didn’t uphold the com... (2 pages)View decision -
Decision Reference DRN-6006022
19 Feb 2026 Barclays Bank UK PLC Not upheldConsumer CreditDRN-6006022 The complaint Barclays Bank UK PLC trading as “Tesco Bank” provided Mr F with a personal loan for £21,000 in April 2024 with 60 monthly payments of around £450. Mr F says the credit was provided irresponsibly. What happened The details of this complaint are well-known to bo... (2 pages)View decision -
Decision Reference DRN-1932199
18 Jun 2020 Emergency Cash Limited UpheldConsumer CreditComplaint This complaint is about a loan Mr P took out through a company called Emergency Cash Limited, trading at the time as wizzcash.com. To keep things simple I’ll refer mainly to “wizzcash” throughout this decision. Mr P says wizzcash hasn’t been accurately reporting information about... (2 pages)View decision -
Decision Reference DRN4649221
8 Jan 2014 Santander UK Plc UpheldBanking and creditMrs G complains that Santander UK Plc (‘the bank’) lent irresponsibly to her. backgroundOur adjudicator agreed to an extent, and recommended that the bank write off part of what Mrs G owed. This would broadly have the effect of putting her back in the position she was in before the irr... (2 pages)View decision