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 171073 results
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Decision Reference DRN-5427365
8 Sep 2025 Madison CF UK Limited Not upheldConsumer CreditDRN-5427365 Complaint Mr P has complained about a loan Madison CF UK Limited (trading as “118 118 Money”) provided to him. He says that it ought to have known the loan was unaffordable and so shouldn’t have provided it to him. Background 118 118 Money provided Mr P with a loan for £2,0... (3 pages)View decision -
Decision Reference DRN-5111551
7 Sep 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5111551 THE COMPLAINT Mr B complains Revolut Ltd (“Revolut”) will not reimburse him money he says he lost when he fell victim to a scam. Mr B is represented by Refundee in this matter. However, where appropriate, I will refer to Mr W solely in this decision for ease of reading. WH... (4 pages)View decision -
Decision Reference DRN-5385666
7 Sep 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5385666 The complaint Miss L complains NewDay Ltd (NewDay) irresponsibly lent to her because it didn’t carry out reasonable and proportionate checks to ensure the lending was affordable for her. What happened Miss L opened a credit card with NewDay in July 2021 with an initial limi... (4 pages)View decision -
Decision Reference DRN-5589185
7 Sep 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5589185 THE COMPLAINT Miss U complains Barclays Bank UK PLC (“Barclays”) will not reimburse her money she says she lost when she fell victim to a scam. Miss U is represented by Refundee in this matter. However, where appropriate, I will refer to Miss U solely in this decision for ... (4 pages)View decision -
Decision Reference DRN-5659354
6 Sep 2025 Loans 2 Go Limited UpheldConsumer CreditDRN-5659354 The complaint Mr H, through a representative, says Loans 2 Go Limited irresponsibly lent to him. What happened Mr H took out a loan for £300 over 18 months from Loans 2 Go on 6 March 2024. The weekly repayments were £61.67. He says Loans 2 Go did not do enough checks at the... (3 pages)View decision -
Decision Reference DRN-5616476
6 Sep 2025 Madison CF UK Limited Not upheldConsumer CreditDRN-5616476 The complaint Ms H, through a representative, says Madison CF UK Limited, trading as 118 118 Money, irresponsibly lent to her. What happened This complaint is about a 36-month instalment loan for £5,000 that 118 118 Money provided to Ms H on 15 January 2023. The monthly repa... (3 pages)View decision -
Decision Reference DRN-5606778
5 Sep 2025 Santander UK Plc UpheldBanking and PaymentsDRN-5606778 The complaint Mrs B complains about the date of a default that Santander UK plc has reported to the credit reference agencies about her credit card account. What happened I issued a provisional decision on this complaint last month in which I described what had happened as f... (3 pages)View decision -
Decision Reference DRN-5323877
5 Sep 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5323877 The complaint Mr R has complained that Monzo Bank Ltd won’t refund the money he says he lost in a scam. What happened In 2024, Mr R complained to Monzo about an alleged scam via representatives. Mr R said that in 2022, he contacted a scammer posing as an investment expert, w... (3 pages)View decision -
Decision Reference DRN-5503899
5 Sep 2025 JAJA FINANCE LTD Not upheldBanking and PaymentsDRN-5503899 The complaint Mrs L complains JAJA FINANCE LTD assessments and checks she applied for an account. What happened Mrs L applied for a card and the account was opened in December 2023 with a credit limit of £1000. In October 2024 Mrs L complained to JAJA as she thought it had l... (3 pages)View decision -
Decision Reference DRN-5779208
5 Sep 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5779208 The complaint Miss R complains about the information that Advantage Finance Limited has reported to the credit reference agencies about a hire purchase agreement under which a car was supplied to her. What happened A used car was supplied to Miss R under a hire purchase agre... (3 pages)View decision
