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 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-3277783
7 Mar 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3277783 Complaint Mr P has complained about a loan AvantCredit of UK, LLC (“Avant Credit”) provided to her. He says the loan was provided at a time when he was already struggling and was therefore unaffordable. Background Avant Credit provided Mr P with a loan for £8,300.00 in December... (2 pages)View decision -
Decision Reference DRN-3585304
25 Nov 2022 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3585304 The complaint Mr H complains that Creation Financial Services Limited (“Creation”) provided him with credit he couldn’t afford to repay. What happened Creation approved a credit card application for Mr H in July 2018. The credit limit was set at £1,000 and doesn’t appear to hav... (2 pages)View decision -
Decision Reference DRN-4663994
7 May 2024 Tandem Personal Loans Ltd UpheldConsumer CreditDRN-4663994 The complaint Mr O complains that Tandem Personal Loans Ltd (“Tandem”), who were 1 st Stop Personal Loans Limited, provided him with credit that he couldn’t afford to repay. What happened Tandem approved a loan of £7,000 for Mr O in February 2020. The loan was to be repaid at £... (2 pages)View decision -
Decision Reference DRN-3662826
8 Oct 2022 Loans 2 Go Limited Not upheldConsumer CreditDRN-3662826 The complaint Miss F says Loans 2 Go Limited irresponsibly lent to her. What happened Miss F’s complaint is about a loan provided by Loans 2 Go. The loan was taken out in February 2021 in the sum of £250 repayable over a term of 18 months. Miss F complains that Loans 2 Go irres... (2 pages)View decision -
Decision Reference DRN-4578471
29 Feb 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4578471 The complaint Mrs G complains that Barclays Bank UK PLC trading as Barclaycard lent irresponsibly when it approved her credit card and later increased the credit limit. What happened Mrs G applied for a credit card with Barclays in April 2011. Barclays approved the application ... (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-3881212
31 Jan 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3881212 The complaint Mrs J complains that NewDay Ltd irresponsibly gave her a credit card account that she couldn’t afford. What happened In March 2020, Mrs J’s Argos credit card was opened by NewDay Ltd with an initial credit limit of £700. The credit limit was increased to £1,450 on... (2 pages)View decision -
Decision Reference DRN-5815185
16 Jan 2026 Monzo Bank Ltd UpheldBanking and PaymentsDRN-5815185 The complaint Monzo Bank Ltd (‘Monzo’) provided Mr G with an overdraft in 2021. Mr G 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’... (2 pages)View decision -
Decision Reference DRN9449571
2 Jan 2019 Avantcredit Of Uk, Llc Not upheldBanking and creditMr R complains that AvantCredit of UK, LLC (“AC”) engaged in irresponsible lending to him.backgroundMr R says AC didn’t carry out satisfactory credit checks and affordability checks before deciding to lend to him. He says he has email correspondence clearly showing h... (2 pages)View decision