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 171072 results
-
Decision Reference DRN-5740931
7 Aug 2025 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-5740931 The complaint Mr R complains that Creation Consumer Finance Ltd (Creation) acted irresponsibly in granting him running account credit as it wasn’t affordable for him. What happened Mr R applied for running account credit with Creation in July 2020, that could be used with a... (3 pages)View decision -
Decision Reference DRN-5672763
7 Aug 2025 NCO Europe Limited UpheldConsumer CreditDRN-5672763 The complaint Mr S complains NCO Europe Limited have incorrectly reported missed payments to his credit file for his debt management plan (DMP). What happened Mr S says he’s had his DMP for many years, and it’s only since NCO took over his account from March / April 2023 tha... (2 pages)View decision -
Decision Reference DRN-5740773
7 Aug 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5740773 The complaint Mrs S had an account with Monzo Bank Ltd (Monzo). Monzo closed the account and loaded a marker about her at Cifas, the national fraud database. Mrs S is unhappy with the account closure and Cifas loading as she says she was unaware of the conduct on the account... (5 pages)View decision -
Decision Reference DRN-5213638
7 Aug 2025 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5213638 The complaint Mr E, who brings the complaint on behalf of B a limited company, complains that HSBC UK Bank Plc hasn’t reimbursed B for its loss after it was targeted by scammers. What happened B has an account with HSBC. On 4 January 2024 B received an email from a known co... (4 pages)View decision -
Decision Reference DRN-5737851
7 Aug 2025 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-5737851 The complaint Mr H complains through a representative that Moneybarn No.1 Limited trading as Moneybarn (“Moneybarn”) lent to him without carrying out sufficient affordability checks. What happened In April 2020, Moneybarn provided Mr H with a conditional sale agreement for ... (4 pages)View decision -
Decision Reference DRN-5682601
7 Aug 2025 LeasePlan UK Limited UpheldConsumer CreditDRN-5682601 The complaint Miss M complains about a car supplied to her using a hire agreement taken out with LeasePlan UK Limited (“LeasePlan”). What happened In February 2021, Miss M acquired a new car using a hire agreement with LeasePlan. The agreement was for a minimum term of 36 m... (4 pages)View decision -
Decision Reference DRN-5737819
7 Aug 2025 Gain Credit LLC UpheldConsumer CreditDRN-5737819 The complaint Mr W complains that Gain Credit LLC trading as Lending Stream (“Lending Stream”) gave him loans without carrying out sufficient affordability checks. What happened A summary of Mr W’s loans can be found in the table below. loan number loan amount agreement da... (6 pages)View decision -
Decision Reference DRN-5709185
7 Aug 2025 Monzo Bank Ltd Not upheldConsumer CreditDRN-5709185 Complaint Mr K has complained about personal loans Monzo UK Plc (“Monzo”) provided to him. He says that this loan was unaffordable and shouldn’t have been provided. Background Monzo provided Mr K with a loan for £7,000.00 in January 2023. Mr K’s loan had a term of 48 months... (3 pages)View decision -
Decision Reference DRN-5689677
7 Aug 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5689677 The complaint Mrs R complains that Santander UK Plc won’t refund the money she says she lost to a scam. What happened Mrs R has said she was introduced to a third party, who I will refer to as S, offering investment opportunities. There were three separate investments Mrs R... (2 pages)View decision -
Decision Reference DRN-5727176
7 Aug 2025 Commsave Credit Union Limited Not upheldConsumer CreditDRN-5727176 Complaint Mr M complains that Commsave Credit Union Limited (“Commsave”) is unfairly reporting adverse credit information about him to credit reference agencies. Background Mr M is complaining about a loan that Commsave provided to him in December 2022. The loan was for £7,... (3 pages)View decision
