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 128535 results
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Decision Reference DRN-4761318
5 Jun 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4761318 The complaint Miss S complains that Monzo Bank Ltd lent irresponsibly when it approved her overdraft application. What happened In August 2019 Miss S applied for a bank account and associated overdraft with Monzo. An income of £1,737 after tax was used and Monzo says it applie... (3 pages)View decision -
Decision Reference DRN-4810595
5 Jun 2024 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4810595 The complaint A, a small business owned by Mr T, complained because Lloyds bank PLC refused to refund a cash machine withdrawal, where he said the machine didn’t dispense his money. What happened On 20 April 2023, Mr T was abroad. He wanted to withdraw money from his Lloyds bus... (3 pages)View decision -
Decision Reference DRN-4784739
5 Jun 2024 MBNA Limited UpheldBanking and PaymentsDRN-4784739 The complaint Mrs F is complaining about MBNA Limited because she says it lent irresponsibly when providing her a credit card she couldn’t afford. What happened In June 2018, following her application, MBNA gave Mrs F a credit card with a limit of £6,300. In February 2020, it i... (5 pages)View decision -
Decision Reference DRN-4785247
5 Jun 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4785247 The complaint Miss M complains that Zopa Bank Limited lent irresponsibly when it approved a loan for £12,000. What happened In February 2022 Miss M applied for a £12,000 loan with Zopa. Zopa says the application was made for debt consolidation purposes. In her application, Miss... (3 pages)View decision -
Decision Reference DRN-4835349
5 Jun 2024 National Westminster Bank Plc UpheldBanking and PaymentsDRN-4835349 The complaint Mr H complains about the service he received from National Westminster Bank Plc (“NatWest”) following an initial enquiry through its online chat service. What happened Mr H holds an account with NatWest. He has a disability which means he requires support to manag... (4 pages)View decision -
Decision Reference DRN-4783644
5 Jun 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4783644 The complaint Mr K complains that Monzo Bank Ltd (‘Monzo’) won’t refund the money he lost when he was the victim of a scam. What happened Mr K is represented in this case but for ease I’ll refer to Mr K throughout my decision. Mr K says that he was contacted on a social media a... (3 pages)View decision -
Decision Reference DRN-4745666
5 Jun 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4745666 The complaint Miss F complains that NewDay Ltd didn’t correctly adjust the repayments under her paydown plan after she made a substantial repayment towards the account. Instead, it told her the account had been suspended. Miss F wants her account reinstated and to be placed on ... (3 pages)View decision -
Decision Reference DRN-4517717
5 Jun 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4517717 The complaint Mrs S complains that Barclays Bank UK PLC blocked and closed her account and removed £963.09 without explanation. She would like her money returned, compensation and the account reopened. What happened The detailed background of this complaint is well known to bot... (3 pages)View decision -
Decision Reference DRN-4747114
5 Jun 2024 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-4747114 The complaint Mr H, who is represented by a third party, complains that Moneybarn No. 1 Limited (“Moneybarn) irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In August 2019, Mr H acquired a used car financed by a conditional sale... (3 pages)View decision -
Decision Reference DRN-3939071
5 Jun 2024 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3939071 The complaint Mrs A has complained about Creation Consumer Finance Ltd’s (‘Creation’) response to a claim she made under Section 75 (‘s.75’) of the Consumer Credit Act 1974 (the ‘CCA’) and in relation to allegations of an unfair relationship taking in to account Section 140.A (... (5 pages)View decision