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 1466 results
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Decision Reference DRN-3743146
27 Jan 2023 MBNA Limited Not upheldBanking and PaymentsDRN-3743146 The complaint Ms B complains that MBNA Limited should not have increased the credit limit on her credit card account as the lending was both unaffordable and irresponsible. What happened In October 2006 Ms B successfully applied for a credit card account with MBNA and was given... (6 pages)View decision -
Decision Reference DRN-5372069
19 Mar 2025 Coventry and Warwickshire Reinvestment Trust Ltd. Not upheldBanking and PaymentsDRN-5372069 The complaint A limited company, which I’ll refer to as E, complains that Coventry and Warwickshire Reinvestment Trust Ltd (“CWRT”) treated it unfairly and failed to act as a responsible lender. E is represented by its sole director, Mr R. What happened E took out a Coronavi... (6 pages)View decision -
Decision Reference DRN-5695289
2 Sep 2025 Blue Motor Finance Ltd Not upheldConsumer CreditDRN-5695289 The complaint Mr T complains that Blue Motor Finance Ltd (BMF) treated him unfairly when he made it aware of his financial difficulties and medical circumstances. He’s unhappy he’s been asked to make payments towards a hire purchase agreement when it’s clear he cannot afford... (5 pages)View decision -
Decision Reference DRN-6004016
8 Dec 2025 Loans 2 Go Limited Not upheldConsumer CreditDRN-6004016 The complaint Mr S is unhappy Loans 2 Go Limited trading as Loans 2 Go provided him with three loans that were unaffordable. He was represented in his complaint until July 2025. For ease, I’ve written as if we’ve dealt with him directly throughout. What happened Loans 2 Go... (5 pages)View decision -
Decision Reference DRN-5493802
30 Apr 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5493802 The complaint Mr E complains Monzo Bank Ltd closed his account and unfairly defaulted him. What happened Mr E had a current account with a debit card with Monzo and an overdraft as well as a loan. In February 2023 Mr E told Monzo over 100 ATM withdrawals totalling more than ... (3 pages)View decision -
Decision Reference DRN-3346033
28 Mar 2022 FUND OURSELVES LIMITED UpheldConsumer CreditDRN-3346033 The complaint Mr G complains about Fund Ourselves Limited (FOL) in relation to the following: - he ‘did not agree with this loan’ and ‘did not understand why the loan was issued’ to him. - he did not understand the terms of the loan agreement. - he asked for the interest and an... (9 pages)View decision -
Decision Reference DRN1109851
26 Feb 2018 Barclays Bank Plc Not upheldBanking and creditMs M complains that Barclays Bank Plc have treated her unfairly from when she went on extended sick leave in 2010. She says this has resulted in her being chased for a debt she shouldn’t owe. backgroundMs M held a current account with Barclays. In 2010 she cont... (3 pages)View decision -
Decision Reference DRN-5757069
18 Dec 2025 Frasers Group Financial Services Limited Not upheldConsumer CreditDRN-5757069 The complaint Mr M complains that Frasers Group Financial Services Limited trading as “Studio” irresponsibly provided him with a catalogue account. Mr M is represented in bringing this complaint but for ease of reading, I’ll refer to Mr M throughout. What happened Studio p... (3 pages)View decision -
Decision Reference DRN1062852
21 Mar 2017 Provident Personal Credit Limited Not upheldBanking and creditMr A complains that Provident Personal Credit Limited acted irresponsibly in lending to him when he was already in financial difficulty, and continued to increase its lending without checking that it was affordable by him.backgroundMr A says he contacted Provident in ... (3 pages)View decision -
Decision Reference DRN-5660126
26 Sep 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5660126 The complaint Mr W complains that Monzo Bank Ltd irresponsibly provided him with an overdraft facility that was unaffordable for him. What happened Mr W applied for an overdraft facility in May 2023 and Monzo provided him with a limit of £2,000. Mr W says he shouldn’t have ... (3 pages)View decision