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 5125 results
-
Decision Reference DRN-5622465
22 Sep 2025 TSB Bank plc UpheldConsumer CreditDRN-5622465 The complaint Mr S complains TSB Bank plc irresponsibly provided him with a personal loan. What happened TSB Bank provided Mr S with a loan of £17,000 in February 2023. The loan was repayable over 48 monthly instalments of around £435, and had a total repayable value, includ... (6 pages)View decision -
Decision Reference DRN-3293600
18 Mar 2022 Retail Money Market Ltd UpheldConsumer CreditDRN-3293600 The complaint Mr M complains about the role played by Retail Money Market Limited (trading as RateSetter) in facilitating a finance agreement between him and a third party. What happened I set out what happened leading up to and in the course of Mr M’s complaint in my provision... (7 pages)View decision -
Decision Reference DRN-4484707
7 Dec 2023 Lloyds Bank PLC Not upheldConsumer CreditDRN-4484707 The complaint Mr D complains that Lloyds Bank PLC was irresponsible in its lending to him. What happened Mr D raised a complaint about the loan provided to him in 2017. He says the loan was unaffordable as at the time his overdraft was higher than his monthly income. He says th... (2 pages)View decision -
Decision Reference DRN-4806519
20 May 2024 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-4806519 The complaint Mr R complains Moneybarn No.1 Limited (Moneybarn) irresponsibly entered into a conditional sale agreement because it didn’t carry out reasonable and proportionate checks to ensure the agreement was affordable for him. What happened Mr R entered into the agreement ... (4 pages)View decision -
Decision Reference DRN3497820
11 Dec 2013 Barclays Bank Plc Not upheldBanking and creditMr G is unhappy that Barclays Bank Plc (trading as Goldfish) increased the limits on his credit card by £10,000.backgroundIn 1997 Mr G opened a Goldfish credit card account. Between 2003-2004 his credit limit was increased from £4,900 to £15,000 while his gross income was £20,000. Follo... (2 pages)View decision -
Decision Reference DRN5283838
3 Mar 2018 Casheuronet UK LLC UpheldBanking and creditMr T complains that CashEuroNet UK LLC (trading as QuickQuid) gave him loans that he couldn’t afford to repay.backgroundThe background to this complaint was set out in the provisional decision that I issued in January 2018. An extract from that is attached and forms pa... (5 pages)View decision -
Decision Reference DRN-1140325
30 Jun 2020 Monzo Bank Ltd Not upheldBanking and PaymentsThe complaint Ms F complains that Monzo Bank Limited won’t refund payments that have been made from her account which she says she didn’t authorise. What happened Ms F opened her account with Monzo on 5 May 2019. She had an account with an online casino and started making transactions from... (3 pages)View decision -
Decision Reference DRN1724923
13 Dec 2017 Casheuronet UK LLC UpheldBanking and creditMr B complains that CashEuroNet UK LLC trading as Quick Quid gave him loans that were unaffordable.backgroundMr B took out three loans from Quick Quid between October 2015 and January 2016, and he’s repaid all the borrowing. Here’s a summary of Mr B’s borrowing histor... (3 pages)View decision -
Decision Reference DRN3810359
8 Jan 2018 WDFC UK Limited UpheldBanking and creditMr C complains that WDFC UK Limited (trading as Wonga) lent money to him he could not afford to repay.backgroundMr C entered into 28 loans with Wonga between 2011 and 2017. At the time of the loans he says he was borrowing from other short term lenders and had a g... (4 pages)View decision -
Decision Reference DRN-3162148
2 Mar 2022 Nationwide Building Society Not upheldBanking and PaymentsDRN-3162148 The complaint Mr D complains that Nationwide Building Society (Nationwide) unfairly declined to refund £280 of transactions on his account he says he didn’t authorise. What happened On 2 August 2020, Mr D lost his debit card. He still couldn’t find it the next day, so he cancel... (2 pages)View decision
