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 163568 results
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Decision Reference DRN-4914757
1 Jul 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4914757 The complaint Mr H complains that Monzo Bank Ltd did not reimburse the funds he lost to a scam. What happened Mr H says he fell victim to an investment scam after he found an opportunity online relating to HMO rentals. He began speaking with an individual I’ll refer to as X ... (2 pages)View decision -
Decision Reference DRN-5597414
1 Jul 2025 Chetwood Financial Limited Not upheldConsumer CreditDRN-5597414 The complaint Mr W, through a representative, says Chetwood Financial Limited, trading as LiveLend, irresponsibly lent to him. What happened Mr W took out a loan for £8,000 over 30 months from LiveLend on 5 September 2019. The monthly repayments were £318. Mr W says LiveLend... (2 pages)View decision -
Decision Reference DRN-5637846
1 Jul 2025 Lloyds Bank PLC UpheldBanking and PaymentsDRN-5637846 The complaint Mr M complains that Lloyds acted irresponsibly when it granted him an overdraft and failed to consider patterns of reliance on debt and hardcore borrowing and failed to conduct appropriate checks. For ease, in my decision I will refer to Mr M when talking abou... (4 pages)View decision -
Decision Reference DRN-5596459
1 Jul 2025 Marks & Spencer Financial Services plc Not upheldConsumer CreditDRN-5596459 The complaint Mr M, through a representative, says Marks & Spencer Financial Services (M&S) Plc irresponsibly lent to him. What happened Mr M took out a loan for £10,000 over 48 months from M&S on 23 February 2022. The monthly repayments were £233.68. Mr M settle... (2 pages)View decision -
Decision Reference DRN-5632934
1 Jul 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5632934 The complaint Miss T complains that Monzo acted irresponsibly when it granted and then increased her, current account overdraft limit because had it conducted proportionate checks it would have seen she was gambling. Miss T also complains about the granting of a credit card ... (3 pages)View decision -
Decision Reference DRN-5570261
1 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5570261 The complaint Mr R complains NewDay Ltd trading as Aqua (NewDay) failed to carry out thorough financial checks before it increased his credit card limit. What happened Mr R says he holds a credit card account with NewDay and in April 2024 it increased his limit from £700 to ... (3 pages)View decision -
Decision Reference DRN-5318107
1 Jul 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5318107 The complaint Mr V complains that Revolut Ltd (‘Revolut’) won’t reimburse the funds he lost when he says he fell victim to a scam. What happened Mr V’s representative sent a letter of complaint to Revolut in May 2024. The letter said that between 23 January 2023 and 6 March ... (2 pages)View decision -
Decision Reference DRN-5308277
1 Jul 2025 Santander UK Plc UpheldBanking and PaymentsDRN-5308277 The complaint Mr B and Mrs B complain that Santander UK Plc (‘Santander’) won’t refund the payments they made as part of a scam. What happened The background to this complaint isn’t in dispute, so I won’t go into detail. In March 2022, Mr B and Mrs B received a call from a... (3 pages)View decision -
Decision Reference DRN-5658992
1 Jul 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5658992 The complaint Mr H is being represented by solicitors. He’s complaining about Monzo Bank Ltd because it declined to refund money he lost as a result of fraud. What happened Sadly, Mr H fell victim to a cruel job scam. He says he was approached by someone claiming to be a rec... (4 pages)View decision -
Decision Reference DRN-5650832
1 Jul 2025 Bank of Scotland Plc Not upheldConsumer CreditDRN-5650832 Complaint Miss M has complained about a loan Bank of Scotland Plc (trading as “Halifax”) provided to her. She says that the loan was unaffordable given her circumstances at the time. This is especially as she was regularly using her overdraft at this time. Background Halifa... (4 pages)View decision
