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 5830 results
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Decision Reference DRN-6218519
19 Mar 2026 Santander UK Plc Not upheldBanking and PaymentsDRN-6218519 Complaint Mrs A has complained about personal loans, a credit card and an overdraft which she says Santander UK Plc (“Santander”) unfairly provided to her. She says all of this credit was unaffordable and so shouldn’t have been provided. Background This is a complaint about... (8 pages)View decision -
Decision Reference DRN-6173989
24 Apr 2026 Savvy Loan Products Limited UpheldConsumer CreditDRN-6173989 The complaint Mr J complains Savvy Loan Products Limited trading as Tick Tock Loans (“Tick Tock”) gave him loans without carrying out sufficient affordability checks. He says that had better checks been made Tick Tock would’ve seen he was in a repeat lending cycle of borrowi... (6 pages)View decision -
Decision Reference DRN8492033
27 Feb 2019 Bank of Scotland Plc Not upheldBanking and creditMr C complains that about the lending that Bank of Scotland plc (“BoS”) made to him. This complaint deals with a loan.backgroundMr C said that he was given bad advice by BoS about consolidating his debts, then allowed to borrow again. He has complained to our service... (4 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 -
Decision Reference DRN-5577748
19 Aug 2025 Monzo Bank Ltd Not upheldConsumer CreditDRN-5577748 The complaint Mr R complains that Monzo Bank Ltd (“Monzo”) didn’t complete adequate affordability checks and had it done so, it would have seen the loan offered and advanced to him (by it) was unaffordable. Mr R says he was in financial difficulty at the relevant time and h... (3 pages)View decision -
Decision Reference DRN9505197
7 Jan 2019 CMC Spreadbet Plc Not upheldInvestment and pensionsMr V has complained that CMC Spreadbet Plc have acted irresponsibly by allowing him to open an account and continue to trade.backgroundMr V submitted his application to open an account on 10 January 2016 and starting placing spread bets in February 2016. He has said... (3 pages)View decision -
Decision Reference DRN-3225642
22 Dec 2021 Marks & Spencer Financial Services plc Not upheldBanking and PaymentsDRN-3225642 The complaint Ms M complains Marks & Spencer Financial Services Plc trading as M&S Bank (M&S) gave her a credit card despite not being able to afford it. What happened Ms M opened a credit card with M&S in June 2006 and was given a credit limit of £6,000. M&... (5 pages)View decision -
Decision Reference DRN-5557467
21 May 2025 Barclays Bank UK PLC Not upheldConsumer CreditDRN-5557467 The complaint Mr H complains that Barclays Bank UK PLC trading as Tesco Bank (“Tesco”) irresponsibly lent to him. Mr H says he was in a vulnerable position and reasonable checks would have shown Tesco shouldn’t have lent. What happened Mr H entered into a loan agreement wit... (2 pages)View decision -
Decision Reference DRN8687778
6 Nov 2013 Santander UK Plc Not upheldBanking and creditMr R has complained about Santander UK plc not blocking certain transactions from his credit card account when he requested. He wants the money back that he spent between his initial request and his account being blocked.background Mr R visited his branch on 31 January 2013 to ask them t... (2 pages)View decision -
Decision Reference DRN-5824990
23 Sep 2025 PDL Finance Limited Not upheldConsumer CreditDRN-5824990 The complaint Mrs R complains that PDL Finance Limited trading as Mr Lender (“Mr Lender”) irresponsibly provided her with two loans whilst she was struggling financially and had a gambling addiction. What happened Mr Lender provided Mrs R with two short term lending loans. ... (4 pages)View decision