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-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 DRN9285195
7 Nov 2019 Gain Credit LLC Not upheldBanking and creditMr W says Gain Credit LLC (trading as Drafty) lent to him irresponsibly.backgroundDrafty approved a line of credit for Mr W in July 2016, with a credit limit of £500. The minimum monthly repayment was variable, but if Mr W drew down up to his credit limit his monthly repayment would’ve bee... (2 pages)View decision -
Decision Reference DRN-2911689
20 Aug 2021 Valour Finance Limited Not upheldConsumer CreditDRN-2911689 The complaint Mr T says Valour Finance Limited trading as Savvy.co.uk lent to him irresponsibly. He says he had significant financial and mental health problems at the time of lending. These would mean it wouldn’t be possible for him to repay the loans in a sustainable way. He ... (2 pages)View decision -
Decision Reference DRN-3760594
9 Nov 2022 Loans 2 Go Limited Not upheldConsumer CreditDRN-3760594 Complaint Miss T has complained that Loans 2 Go Limited (“L2G”) irresponsibly lent to her. Background Miss T applied for a loan of £500 with L2G in June 2022. One of our adjudicators reviewed what Miss T and L2G had told us. And he thought that L2G hadn’t lent irresponsibly. So... (2 pages)View decision -
Decision Reference DRN-3770418
14 Nov 2022 Loans 2 Go Limited Not upheldConsumer CreditDRN-3770418 Complaint Mrs O has complained that Loans 2 Go Limited (“L2G”) irresponsibly lent to her. Background Mrs O applied for a loan of £400 with L2G in September 2021. One of our adjudicators reviewed what Mrs O and L2G had told us. And he thought that L2G hadn’t lent irresponsibly. ... (2 pages)View decision -
Decision Reference DRN-4247386
21 Jul 2023 Loans 2 Go Limited Not upheldConsumer CreditDRN-4247386 Complaint Mr B has complained about a loan Loans 2 Go Limited (“L2G”) provided to him. He says L2G irresponsibly lent him this loan. Background One of our adjudicators reviewed what Mr B and L2G had told us. And he thought that L2G hadn’t lent irresponsibly. So he didn’t uphold... (2 pages)View decision -
Decision Reference DRN-5594920
3 Jul 2025 Santander UK Plc Not upheldConsumer CreditDRN-5594920 Complaint Mrs C has complained about a loan Santander UK Plc (“Santander”) provided to her. She says the loan was unaffordable and so shouldn’t have been provided. Background Santander provided Mrs C with a loan for £7,000.00 in January 2020. This loan was due to be repaid ... (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-3589070
5 Sep 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3589070 The complaint Mr B complains that National Westminster Bank Plc (“Nat West”) provided him with credit he couldn’t afford to repay. What happened Nat West approved two credit card applications for Mr T. The first in November 2019 with a limit of £2,750 and a further card in Marc... (2 pages)View decision