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-2499705
11 Feb 2021 Morses Club PLC Not upheldConsumer CreditDRN-2499705 The complaint Mrs J says Morses Club PLC (Morses) lent to her irresponsibly. She says that she ended up in a debt spiral as the loans weren’t affordable. She says that Morses should have seen this and not lent to her. What happened This complaint is about two home collected loa... (2 pages)View decision -
Decision Reference DRN2092072
9 Apr 2020 Harvey & Thompson Limited UpheldBanking and creditComplaintMr L says Harvey & Thompson Limited (“H&T”) irresponsibly lent to him.BackgroundThis complaint is about an instalment loan that H&T provided to Mr L in May 2018. Our adjudicator upheld Mr L’s complaint and thought that he shouldn’t have been provided with his loan. H&a... (2 pages)View decision -
Decision Reference DRN5460133
15 Jun 2018 Avantcredit Of Uk, Llc Not upheldBanking and creditMrs N complains that AvantCredit of UK, LLC (“AC”) engaged in irresponsible lending to her.backgroundMrs N says when she applied for her loan she was told her bank statements were a requirement of the application process, to prove her income and expenditure and to s... (2 pages)View decision -
Decision Reference DRN-4111457
16 May 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4111457 The complaint Mr C complains that Creation Financial Services Limited lent to him irresponsibly. What happened Mr C applied for a Creation credit card in 2011. The account was closed in 2016. Mr C complained to Creation. He said it had lent irresponsibly to him. Our investigato... (2 pages)View decision -
Decision Reference DRN-5729980
16 Jan 2026 Evergreen Finance London Limited Not upheldConsumer CreditDRN-5729980 The complaint Miss M complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) lent to her irresponsibly. What happened Here is a brief table of the lending. Loan Approved Amount Repayments Repaid 1 8 November 2024 £8006 months 4 March 2025 2 1... (2 pages)View decision -
Decision Reference DRN-5833114
16 Dec 2025 Hastings Financial Services Limited Not upheldConsumer CreditDRN-5833114 The complaint Hastings Financial Services Limited (‘Hastings’) provided Mr B with a personal loan in July 2024. Mr B borrowed £15,000 and he was due to make 60 monthly repayments of £318.23. Mr B says the credit was provided irresponsibly and he can’t afford to repay it. Wh... (2 pages)View decision -
Decision Reference DRN4620653
5 Apr 2017 Clydesdale Bank Plc Not upheldBanking and creditMr L, as court-appointed deputy for Mrs B, has made a number of complaints against Clydesdale Bank Plc, which I summarise as follows: irresponsible lending in 2007; mis-sale of a further advance in 2008; Clydesdale’s failure to prevent financial abuse and fraud b... (4 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-3792970
9 Nov 2022 Madison CF UK Limited Not upheldBanking and PaymentsDRN-3792970 The complaint Miss W says Madison CF UK Limited, trading as 118 118 Money, irresponsibly lent to her and so must write off the outstanding balance on her card. What happened Miss W says 118 118 Money let her take out a credit card when she was already struggling financially. Th... (2 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