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 DRN5907607
7 Aug 2014 Lloyds Bank PLC Not upheldBanking and creditMs T claims Lloyds Bank PLC has been irresponsible in lending to her and this has contributed to her financial difficulties. She wants compensation from Lloyds.backgroundMs T took out a personal Loan in 2008 to repay a credit card and overdraft. This was consolidated into a new higher lo... (2 pages)View decision -
Decision Reference DRN-5874458
18 Nov 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5874458 Complaint Mr S has complained about a credit card HSBC UK Bank Plc (“HSBC”) provided to him. He says that the credit card was unaffordable for him and caused him ongoing financial difficulty as he ended up having to enter into a debt management plan. Background In May 2017,... (4 pages)View decision -
Decision Reference DRN3299408
23 Nov 2015 TSB Bank plc Not upheldBanking and creditMr B’s mother (Mrs B) complains, on behalf of Mr B, that TSB Bank plc made her son’s financial position worse by lending him more money than he needed and that it didn’t do enough checks for the online loan applications.backgroundMr B applied for an £11,000 loan ... (2 pages)View decision -
Decision Reference DRN-3637693
30 Aug 2022 Oakbrook Finance Limited Not upheldConsumer CreditDRN-3637693 Complaint Mr G has complained about a loan Oakbrook Finance Limited (trading as “Likely Loans”) provided to him. He says the loan was unaffordable and so shouldn’t have been provided. Background Likely Loans provided Mr G with a loan for £1,000.00 in August 2018. This loan was ... (2 pages)View decision -
Decision Reference DRN-3729532
24 Oct 2022 Oakbrook Finance Limited Not upheldConsumer CreditDRN-3729532 Complaint Mr K has complained about a loan Oakbrook Finance Limited (trading as “Likely Loans”) provided to him. He says the loan was unaffordable and so shouldn’t have been provided. Background Likely Loans provided Mr K with a loan for £2,500.00 in July 2019. This loan was du... (2 pages)View decision -
Decision Reference DRN-3601631
25 Jul 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3601631 Complaint Mr M has complained about a guarantor loan Everyday Lending Limited (trading as “Everyday Loans”) provided to him. He says the loan was unaffordable and shouldn’t have been provided to him. Background Everyday Loans provided Mr M with a loan for £2,500.00 in October 2... (2 pages)View decision -
Decision Reference DRN9439390
16 Apr 2015 WDFC UK Limited UpheldBanking and creditMr A has complained that a number of loans he took out with WDFC UK Limited during 2012 and 2013 were unaffordable.backgroundMr A took out a number of loans with WDFC between 2012 and 2013. Subsequently, WDFC wrote to Mr A to say his outstanding balance had been wri... (2 pages)View decision -
Decision Reference DRN-3788957
21 Nov 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3788957 Complaint Mr P has complained about a loan Everyday Lending Limited (trading as “Everyday Loans”) provided to him. He says the loan was unaffordable and shouldn’t have been provided to him. Background Everyday Loans provided Mr P with a loan for £1,600.00 in September 2021. Thi... (2 pages)View decision -
Decision Reference DRN-6050359
11 Feb 2026 PDL Finance Limited Not upheldConsumer CreditDRN-6050359 The complaint Mr T complains that PDL Finance Limited trading as Mr Lender lent to him irresponsibly four times between April 2022 and January 2025. What happened The loans ranged from £200 to £790. There were significant gaps between Loans 1 and 2 and Loans 3 and 4. The de... (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