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Credit card affordability complaint (irresponsible lending)

Typical aim: Refund of interest/charges; affordability review
Be specific: dates, times, order numbers, names, promises made, and the resolution you want.
We’ll reference:
Acts & laws: Consumer Credit Act 1974; FCA CONC (responsible lending)
Ombudsman/Regulator: Financial Ombudsman Service (FOS); FCA
Guidance: https://www.financial-ombudsman.org.uk/consumers/complaints/can-help/loans-finance ; https://www.fca.org.uk/consumers/how-complain