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 121074 results
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Decision Reference DRN-3432778
15 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3432778 The complaint Miss P complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted her credit that she couldn’t afford to repay. What happened NewDay approved a credit card application for Miss P in November 2019. They initially provided a credit limit of £450 bu... (2 pages)View decision -
Decision Reference DRN-3378754
15 Aug 2022 Madison CF UK Limited UpheldBanking and PaymentsDRN-3378754 The complaint Mr B complains that Madison CF UK Limited (“Madison”), trading as 118 118 Money, were wrong to provide him with credit he couldn’t afford to repay. What happened Madison approved Mr B’s application for a credit card in August 2021. The credit limit was set at £1,2... (2 pages)View decision -
Decision Reference DRN-3622017
15 Aug 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3622017 Complaint Mr D has complained that Loans 2 Go Limited (“L2G”) provided him with an unaffordable loan. Background L2G provided Mr D with a loan of £850 in February 2020. This loan had an APR of 1,013.2% and an 18-month term. This all meant the total amount repayable of £3,496.86... (4 pages)View decision -
Decision Reference DRN-3642971
15 Aug 2022 Monzo Bank Ltd UpheldBanking and PaymentsDRN-3642971 Complaint Mr W is unhappy that Monzo Bank Ltd (“Monzo”) recorded a fraud prevention marker against him. Background In October 2021, Mr W received payments into his Monzo account. Monzo subsequently received a fraud notification from a third-party bank saying that one of its cus... (3 pages)View decision -
Decision Reference DRN-3647757
14 Aug 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3647757 The complaint Ms H complains that Everyday Lending Limited (“Everyday Loans”) lent to her in an irresponsible manner. What happened Ms H was given 2 guarantor loans by Everyday Loans. She borrowed £5000 in December 2017 and agreed to repay this over 36 months. She then went bac... (3 pages)View decision -
Decision Reference DRN-3115140
14 Aug 2022 Barclays Bank UK PLC UpheldMortgagesDRN-3115140 The complaint Ms J complains Barclays Bank UK PLC (Barclays) failed to promptly refund two overpayments to her mortgage account. What happened In July 2020, following a previous discussion with Barclays, Ms J made what she believed were two overpayments to her mortgage account,... (3 pages)View decision -
Decision Reference DRN-3577044
13 Aug 2022 ITI Capital Limited UpheldInvestmentsDRN-3577044 The complaint Mr and Mrs B have complained about how ITI Capital Limited (“ITI Capital”) administered their investment accounts. What happened Mr and Mrs B say ITI Capital took until September 2020 to get their accounts up and running and it should’ve happened in July. They say... (4 pages)View decision -
Decision Reference DRN-3636383
12 Aug 2022 Admiral Insurance Company Limited UpheldInsuranceDRN-3636383 The complaint Mr H complains that Admiral Insurance Company Limited mishandled his claim on a motor insurance policy. Where I refer to Admiral, I refer to the insurance company named above, and I include repairers and others insofar as I hold Admiral responsible for their acts ... (8 pages)View decision -
Decision Reference DRN-3642566
12 Aug 2022 Xbridge Limited UpheldInsuranceDRN-3642566 The complaint A limited company which I’ll refer to as S, is unhappy with how Xbridge Limited trading as Simply Business has administered its business protection insurance policy. Mr S brings the complaint on behalf of S. What happened What follows is intended to be a summary o... (3 pages)View decision -
Decision Reference DRN-3579262
12 Aug 2022 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3579262 The complaint Mr S complains about the quality of a car that was supplied to him under a hire purchase agreement with Creation Consumer Finance Limited (“Creation”). What happened In April 2021 Mr S took out a hire purchase agreement with Creation for a used car. The car was th... (3 pages)View decision
