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 5478 results
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Decision Reference DRN-3653601
24 Oct 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3653601 The complaint Mr W complains that Everyday Lending Limited trading as Everyday Loans (Everyday) irresponsibly lent him money on a high cost loan that he couldn’t afford to repay. What happened Everyday provided a loan to Mr W, on 12 March 2018, for £1,750, repayable over 12 mon... (4 pages)View decision -
Decision Reference DRN-5874834
11 Feb 2026 Everyday Lending Limited Not upheldConsumer CreditDRN-5874834 The complaint Mrs S complains Everyday Lending Limited trading as Everyday Loans irresponsibly lent to her. What happened Mrs S took out an unsecured loan from Everyday Loans. This loan was approved on 15 September 2021 and was for £2,000; the monthly repayments were £182.07... (3 pages)View decision -
Decision Reference DRN-4418817
7 Dec 2023 Revolut Ltd Not upheldBanking and PaymentsDRN-4418817 The complaint Mr T is unhappy that Revolut Ltd took a long time to send him funds that had been paid into a closed account. He’s also unhappy that it deducted a sum from the total balance and sent it to someone else. What happened Mr T’s account was restricted in January 2023 w... (2 pages)View decision -
Decision Reference DRN3798512
18 Apr 2019 Retail Money Market Ltd Not upheldBanking and creditMr P complains that Retail Money Market Ltd (trading as RateSetter) did not carry out adequate affordability checks before lending to him and provided him with money he couldn’t afford to repay. He also complains that a large arrangement fee was added to the loan.bac... (4 pages)View decision -
Decision Reference DRN-2715866
23 Apr 2021 Carcashpoint Limited UpheldConsumer CreditDRN-2715866 The complaint Mrs D has complained that CarCashPoint Limited (“CCP” or “the lender”) was irresponsible to have agreed credit for her. What happened CCP provided Mrs D with a loan of £5,500 in June 2018. The total amount of £25,300, including interest and charges, was to be repa... (3 pages)View decision -
Decision Reference DRN9243410
29 Jan 2018 Lending Stream Llc UpheldBanking and creditMr W complains that Lending Stream LLC lent money to him that he could not afford to repay.backgroundMr W took out twenty loans with Lending Stream between March 2014 and December 2015. He says that the loans were unaffordable and that Lending Stream did not carry out ... (3 pages)View decision -
Decision Reference DRN-3222292
20 Dec 2021 MotoNovo Finance Limited Not upheldConsumer CreditDRN-3222292 The complaint Miss L complains that MotoNovo Finance Limited (“MotoNovo”) irresponsibly granted her a loan she couldn’t afford to repay. What happened I issued my provisional decision on this complaint in November 2021. An extract from that provisional decision is set out below... (3 pages)View decision -
Decision Reference DRN-5893886
20 Oct 2025 Go Car Credit Limited Not upheldConsumer CreditDRN-5893886 The complaint Mr A, who is represented by a third party, complains that Go Car Credit Limited (“Go Car Credit”) irresponsibly granted him a hire purchase agreement he couldn’t afford to repay. What happened In February 2019 Mr A acquired a used car financed by a hire purcha... (3 pages)View decision -
Decision Reference DRN-2704138
22 Mar 2021 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-2704138 The complaint Mr B complains that Monzo bank plc won’t refund disputed transactions made on his account totalling £7,500. What happened On the 6 January and 7 January 2020 disputed transactions totalling £7.500 were carried out using Mr B’s Monzo debit card. In total there were... (3 pages)View decision -
Decision Reference DRN-5738080
27 Oct 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5738080 The complaint Mr E complains that Monzo Bank Ltd (Monzo) acted irresponsibly when they agreed to him having a revolving credit facility and subsequent credit limit increase. What happened In March 2022 Mr E applied for a Flex account with Monzo. His application was successfu... (4 pages)View decision