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 5520 results
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Decision Reference DRN8550950
31 May 2018 National Westminster Bank Plc Not upheldBanking and creditMr L has complained that he was granted a loan by National Westminster Bank Plc (‘NatWest’) that was unaffordable for him. Mr L is represented in this matter by Ms S.backgroundMr L applied for a £17,500 loan online with NatWest on 4 December 2017. The application wa... (3 pages)View decision -
Decision Reference DRN-4179741
14 Jun 2023 Loans 2 Go Limited UpheldConsumer CreditDRN-4179741 The complaint Mr M complains that Loans 2 Go Limited lent to him when it shouldn’t have. What happened I Issued a provisional decision in May 2023 where I set out a detailed background to this complaint. That decision should be read in conjunction with this as it forms part of ... (3 pages)View decision -
Decision Reference DRN-3774867
10 Nov 2022 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3774867 The complaint Mr P says HSBC UK Bank Plc (“HSBC”) acted irresponsibly by allowing him a £750 overdraft because the account was mainly used for gambling transactions. What happened One of our adjudicators looked into Mr P’s concerns and didn’t think there was anything within the... (3 pages)View decision -
Decision Reference DRN-5605967
28 Aug 2025 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-5605967 The complaint Mr R complains that Clydesdale Bank Plc trading as Virgin Money lent irresponsibly when it increased the limit on his credit card. What happened Mr R applied for a Virgin Money credit card in January 2020. In his application, Mr R confirmed he was earning £42,... (4 pages)View decision -
Decision Reference DRN-6056237
29 Jan 2026 Tymit Ltd Not upheldBanking and PaymentsDRN-6056237 The complaint Mr D complains that Tymit Ltd (Tymit) acted irresponsibly in granting him a credit card account, and in increasing its limit, as he says it was unaffordable for him. Mr D also complains that Tymit failed to recognise that he was a vulnerable consumer as he was ... (4 pages)View decision -
Decision Reference DRN-2271669
25 Nov 2020 Loans 2 Go Limited UpheldConsumer CreditDRN-2271669 The complaint Mr K complains that Loans 2 Go Limited lent to him in an irresponsible manner. What happened Mr K was given a single loan by Loans 2 Go. He borrowed £2,000 in September 2014 and agreed to repay the loan in weekly instalments over the following 18 months. The loan ... (3 pages)View decision -
Decision Reference DRN-4299215
15 Aug 2023 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4299215 The complaint Mr S complains that Monzo Bank Ltd (“Monzo”) won’t refund transactions on his current account that he didn’t make or otherwise authorise. What happened At the start of January 2023, Mr S contacted Monzo and disputed all the transactions to a gambling site which we... (3 pages)View decision -
Decision Reference DRN-5409857
2 Sep 2025 Lloyds Bank PLC UpheldBanking and PaymentsDRN-5409857 The complaint Mr C complains that Lloyds Bank PLC (“Lloyds”) irresponsibly lent him a credit card. What happened In April 2024 Mr C applied for a credit card with Lloyds. The application was accepted and he was provided with a credit limit of £2,500. The limit was never inc... (3 pages)View decision -
Decision Reference DRN-5729980
16 Jan 2026 Evergreen Finance London Limited Not upheldConsumer CreditDRN-5729980 The complaint Miss M complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat”) lent to her irresponsibly. What happened Here is a brief table of the lending. Loan Approved Amount Repayments Repaid 1 8 November 2024 £8006 months 4 March 2025 2 1... (2 pages)View decision -
Decision Reference DRN-2915697
10 Aug 2021 Valour Finance Limited Not upheldConsumer CreditDRN-2915697 The complaint Mr G complains that Valour Finance Limited trading as Savvy.co.uk (Savvy) was irresponsible in its lending to him. What happened Mr G was provided with a loan for £600 by Savvy in November 2020. It was repayable over 12 monthly instalments of £100. Mr G says that ... (3 pages)View decision