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 21091 results
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Decision Reference DRN7910599
21 Aug 2015 Wave Lending Limited Not upheldBanking and creditMr V complains that Wave Lending Limited mis-sold a mortgage to him.backgroundMr V says that Wave mis-sold a buy-to-let mortgage to him and had irresponsible lending policies. He says it is common practice for lenders to consider the projected rental income in co... (3 pages)View decision -
Decision Reference DRN-5417233
14 Apr 2025 Capital One (Europe) plc UpheldBanking and PaymentsDRN-5417233 The complaint Miss J complained that Capital One (Europe) plc trading as Capital One sent her threatening letters for payment and that she couldn’t afford to make her repayments due to the charges being applied to her account. She said that she was unable to talk on the phon... (4 pages)View decision -
Decision Reference DRN-6025551
23 Dec 2025 Lantern Debt Recovery Services Limited Not upheldConsumer CreditDRN-6025551 The complaint Miss T complains that Lantern Debt Recovery Services Limited trading as Lantern are pursuing her for a debt that she believed had already been written off. What happened Miss T had a loan with a business I’ll refer to as A. A went into administration and Lanter... (3 pages)View decision -
Decision Reference DRN-4617416
11 Mar 2024 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-4617416 The complaint Ms S complains that Lantern Debt Recovery Services Ltd is unfairly attempting to collect a debt it acquired in her name. What happened In August 2023 Lantern purchased a debt in Ms S’ name from a business I’ll refer to as A. The debt related to a guarantor loan fo... (3 pages)View decision -
Decision Reference DRN-2883070
12 Jul 2021 Evergreen Finance London Limited UpheldConsumer CreditDRN-2883070 The complaint Mr E says that Evergreen Finance London Limited trading as Moneyboat: didn’t follow the FCA guidance in relation to helping customers during the Covid-19 pandemic; and didn’t calculate the loan interest correctly, and under the terms of the contract, when he req... (4 pages)View decision -
Decision Reference DRN-3910428
26 Jan 2023 TM Advances Limited Not upheldConsumer CreditDRN-3910428 The complaint Mr C complains TM Advances Limited irresponsibly lent to him. He says TM Advances did not give him sufficient information prior to the loan being agreed, and that TM Advances interest charges are excessive. He also complains about other customer service issues. Wh... (4 pages)View decision -
Decision Reference DRN-4889557
28 Aug 2024 Quidie Limited UpheldConsumer CreditDRN-4889557 The complaint Mr M complains that Quidie Limited trading as Fernovo (“Fernovo”) sent to him an unsolicited email and text in February 2024 which he took to be a lure to entice him to apply for a loan. He has experienced distress and has become angry about it. It has caused h... (2 pages)View decision -
Decision Reference DRN8852838
16 Jan 2018 Morses Club PLC Not upheldBanking and creditMr A complains Morses Club PLC is responsible for irresponsible lending. He says he was able to take out numerous loans without proper checks being conducted. Mr A wants to be returned to the position he’d have been in prior to the loans.backgroundMr A tells us he took... (2 pages)View decision -
Decision Reference DRN-3356062
27 Jan 2023 PayPal (Europe) Sarl et Cie SCA UpheldBanking and PaymentsDRN-3356062 The complaint Mr S says PayPal (Europe) Sarl et Cie SCA (‘PayPal’) irresponsibly lent to him. What happened This complaint is about a credit card account PayPal provided. The PayPal Credit account was opened initially in May 2017 with a credit limit of £250. The following credi... (4 pages)View decision -
Decision Reference DRN-4674571
13 Jun 2024 Next Retail Limited Not upheldConsumer CreditDRN-4674571 The complaint Miss M complains that Next Retail Limited trading as Next Online (“Next”) irresponsibly provided her with, and increased the credit limit on, a credit account (“account”). What happened In February 2020 Miss M opened a pay with order account with Next. In Novemb... (3 pages)View decision