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 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-5765057
17 Nov 2025 Santander UK Plc Not upheldConsumer CreditDRN-5765057 The complaint Mr L complains that Santander UK Plc was irresponsible in its lending to him. He wants all interest and charges removed from his loan and any negative information removed from his credit file. What happened Mr L was provided with a £8,000 loan by Santander in O... (3 pages)View decision -
Decision Reference DRN-3998747
6 Mar 2023 Oakbrook Finance Limited UpheldConsumer CreditDRN-3998747 The complaint Mr K complains that Oakbrook Finance Limited trading as Oakbrook Loans lent him an unaffordable loan. What happened I issued a provisional decision on this case n 13 February 2023 where I set out a detailed background to this complaint and my provisional findings.... (3 pages)View decision -
Decision Reference DRN-5025596
2 Oct 2024 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5025596 The complaint Mr T complains that Mitsubishi HC Capital UK PLC trading as Novuna Personal Finance lent irresponsibly when it approved his loan application. What happened In July 2021, Mr T applied for a loan of £1,500 with Novuna. In his application, Mr T said he was employ... (3 pages)View decision -
Decision Reference DRN-6048425
6 Jan 2026 PDL Finance Limited Not upheldConsumer CreditDRN-6048425 The complaint Mr S complains PDL Finance trading as Mr Lender irresponsibly lent to him. What happened PDL Finance provided Mr S with one loan as follows: Date of Sale Loan Amount Interest rate (p/a) Largest Monthly Repayment Number of Instalments (months) Total amount rep... (5 pages)View decision -
Decision Reference DRN5304241
20 Apr 2020 Bank of Scotland Plc Not upheldBanking and creditMr M has complained that Bank of Scotland Plc (trading as Halifax) won’t refund transactions he says he didn’t make or otherwise authorise.what happenedIn June 2018, Mr M opened an account with Halifax, but didn’t use it.In January 2019, Mr M received batches of cash payments into his acco... (3 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-6134988
20 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6134988 The complaint Miss B is unhappy about gambling transactions that took place on her credit card account held with NewDay Ltd trading as Fluid. What happened Miss B has explained that she was off work from January 2024 and began receiving treatment which required regular stay... (4 pages)View decision -
Decision Reference DRN2027576
12 Apr 2016 Skrill Limited Not upheldBanking and creditMr H holds an electronic money account with Skrill Limited which he uses for online gaming. Mr H wants Skrill to reverse payments made to online gaming sites which he says operated illegally.backgroundMr H complained to Skrill after he discovered one gaming site used ... (2 pages)View decision -
Decision Reference DRN-3314987
7 Sep 2022 Oplo HL Ltd Not upheldMortgagesDRN-3314987 The complaint Mr G has said that Oplo HL Ltd didn’t carry out sufficient checks when it granted him a secured loan in 2020. He says he was gambling heavily and the lending was based on his non-guaranteed overtime, which he feels was irresponsible on the part of the lender. What... (4 pages)View decision