FOS has consolidated its publications in relation to its approach to disputes involving responsible lending here.

FOS deals with:

• Common errors in FSPs’ assessments of consumer loans
• How it works out a consumer’s loss
• How it approaches responsible lending disputes taking into consideration legal principles, industry codes and good industry practice
• Low doc loans.

It has separately published the case studies used in its “Responsible Lending Approach” here

You can read COSL’s position statement on responsible lending here.