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 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 DRN-2918032
19 Aug 2021 Advanced Payment Solutions Limited Not upheldBanking and PaymentsDRN-2918032 The complaint Mr R complains as a director of C (a limited company) that Advanced Payment Solutions Limited trading as Cashplus (“Cashplus”) has held him liable for transactions he’s said were carried out fraudulently. What happened Three transactions equalling around £4,000 le... (3 pages)View decision -
Decision Reference DRN-4660450
12 Apr 2024 Tesco Personal Finance PLC UpheldConsumer CreditDRN-4660450 The complaint Mr P complains that Tesco Personal Finance PLC trading as Tesco Bank lent to him irresponsibly. What happened In July 2017, Mr P applied for and received a loan of £17,500 from Tesco. The loan was to be repaid in 84 monthly repayments of £262.71. Mr P says that at... (3 pages)View decision -
Decision Reference DRN-4071732
26 Jul 2023 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-4071732 The complaint Miss R complains that Clydesdale Bank Plc (“Clydesdale”), trading as Virgin Money, irresponsibly granted her a credit card she couldn’t afford to repay. What happened Miss R entered into an agreement with Clydesdale to have access to credit with a credit card acco... (3 pages)View decision -
Decision Reference DRN-3320142
14 Mar 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3320142 The complaint Mr D complains that Madison CF UK Limited, trading as 118118 Money (Madison), lent to him irresponsibly. What happened Mr D has explained his circumstances at the time and I am sorry to hear it. And I understand his financial situation is better now. Mr D approach... (4 pages)View decision -
Decision Reference DRN-5485540
12 Aug 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5485540 The complaint Miss G complains Monzo Bank Ltd won’t refund the money she sent to an online casino which she now thinks was operating a scam. What happened In June 2024, Miss G used her Monzo card to deposit funds with an online casino (“O”). But when she tried to withdraw fr... (3 pages)View decision -
Decision Reference DRN-5553098
22 Jul 2025 Bamboo Limited Not upheldConsumer CreditDRN-5553098 The complaint Mr N complains that Bamboo Limited trading as Bamboo Loans irresponsibly lent to him. Mr N says he was struggling with gambling at the time Bamboo lent, and had it carried out sufficient checks, it would have seen that he couldn’t repay what it agreed to lend h... (3 pages)View decision -
Decision Reference DRN-4153587
25 May 2023 Capital One (Europe) plc UpheldBanking and PaymentsDRN-4153587 The complaint Miss T complains that Capital One (Europe) plc lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. ... (3 pages)View decision -
Decision Reference DRN-5421367
2 Sep 2025 Amplifi Capital (U.K.) Limited Not upheldConsumer CreditDRN-5421367 The complaint Mr D complains that Amplifi Capital (U.K.) Limited trading as Reevo (“Reevo”) irresponsibly provided him with a loan whilst he was struggling financially and had a gambling addiction. What happened Reevo provided Mr D with a loan for £1,500 on 2 December 2024 ... (3 pages)View decision -
Decision Reference DRN-3388030
12 Apr 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3388030 The complaint Mr B complained that Loans 2 Go Limited lent to him irresponsibly and provided him with an unaffordable loan. What happened Loans 2 Go provided a loan to Mr B as follows: Date taken Amount Term Monthly repayment Total amount repayable over loan term Date repaid 3/... (4 pages)View decision
