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-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-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-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 DRN-2538719
25 Jan 2021 Provident Personal Credit Limited UpheldConsumer CreditDRN-2538719 The complaint Mr P says Provident Personal Credit Limited trading at the time as ‘Satsuma’ irresponsibly lent to him. Mr P also says he was bombarded with marketing materials, so he was encouraged to take out further loans, causing a debt spiral. What happened Mr P took out one... (4 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-3994734
9 Mar 2023 Loans 2 Go Limited UpheldConsumer CreditDRN-3994734 The complaint Miss M complains that Loans 2 Go Limited lent to her irresponsibly. What happened Miss M’s complaint is about a loan provided by Loans 2 Go. The loan was advanced in September 2022 for £1210 over a period of 24 months with monthly repayments of £162.95. Miss M say... (2 pages)View decision -
Decision Reference DRN-5335289
5 Mar 2025 Madison CF UK Limited Not upheldBanking and PaymentsDRN-5335289 The complaint Mr O complains that Madison CF UK Limited trading as 118 118 Money was irresponsible in its lending to him. What happened In 2019, 118118 Money provided Mr O with a credit card account. He said that at the time he was experiencing financial difficulties and his... (3 pages)View decision -
Decision Reference DRN-3617015
13 Sep 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3617015 The complaint Mr M complains that Everyday Lending Limited, trading as Everyday Loans (“Everyday”) provided him with credit he couldn’t afford to repay. What happened Everyday approved a loan of £1,500 for Mr M in June 2018. He was to repay £181.08 every month for 24 months. Th... (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