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-2777777
15 May 2021 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-2777777 The complaint Miss M complains that Capital One (Europe) plc irresponsibly allowed her to open a credit card account. What happened Miss M she opened the Capital One account in March 2019 and at the time had a number of loans. She says she had a gambling problem and if Capital ... (2 pages)View decision -
Decision Reference DRN-5810460
17 Dec 2025 Savvy Loan Products Limited Not upheldConsumer CreditDRN-5810460 The complaint Mr K complains that Savvy Loan Products Limited trading as Tick Tock Loans (“Savvy”) lent to him irresponsibly and when he had a gambling habit. What happened Here is a brief table of the lending. Loan Approved Amount Terms (rounded) 1 24 August 2024 £400£131 x... (2 pages)View decision -
Decision Reference DRN-3302610
11 Feb 2022 National Westminster Bank Plc Not upheldConsumer CreditDRN-3302610 The complaint Mrs D complains that National Westminster Bank Plc lent to her irresponsibly when it approved loans in 2017 and 2018. She is also unhappy that the bank hasn’t done what they said they would do to put things right. What happened The details of this complaint are we... (5 pages)View decision -
Decision Reference DRN-3426306
13 Apr 2022 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3426306 The complaint Mr D has complained that Bank of Scotland plc (trading as Halifax) unfairly applied charges to his account, contributing to his financial difficulties. What happened Mr D complained to Halifax about the charges that had been applied to his account for using his ov... (3 pages)View decision -
Decision Reference DRN3863758
16 Jul 2018 Moneybarn No. 1 Limited Not upheldBanking and creditMr M complains that Moneybarn No. 1 Limited lent him money irresponsibly.backgroundMr M borrowed nearly £7,000 from Moneybarn under a conditional sale agreement in December 2014 to get a used car. He says the repayments were unaffordable as he was having financial prob... (3 pages)View decision -
Decision Reference DRN-5931795
11 Nov 2025 Klarna Bank AB (publ) Not upheldConsumer CreditDRN-5931795 The complaint Mr D complains about credit provided to him by Klarna Bank AB (publ) (‘Klarna’) for a purchase he made in June 2020. What happened Mr D entered into a running-account credit agreement with Klarna in June 2020. He complained in March 2025, saying Klarna acted i... (3 pages)View decision -
Decision Reference DRN-3651246
13 Sep 2022 Tesco Personal Finance PLC UpheldConsumer CreditDRN-3651246 The complaint Mr A complains that Tesco Personal Finance PLC trading as Tesco Bank (Tesco) irresponsibly lent him money that he couldn’t afford to repay. What happened Tesco provided Mr A with a loan for £35,000 on 30 January 2016. The loan was repayable over 120 months at the ... (4 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 -
Decision Reference DRN-2339869
8 Dec 2020 Avantcredit Of Uk, Llc Not upheldConsumer CreditDRN-2339869 The complaint Mr D believes AvantCredit of UK, LLC trading as Avantcredit, acted irresponsibly by agreeing two loans he’d applied for. What happened In September 2015 Mr D took out a £1,000 loan with Avantcredit, to be repaid over 12 months with repayments of £98.48 a month. Th... (3 pages)View decision -
Decision Reference DRN-4210156
28 Jun 2023 Tandem Home Loans Ltd Not upheldMortgagesDRN-4210156 The complaint Mr and Mrs W’s complaint relates to a secured loan they have with Tandem Home Loans trading as 1 st Stop Secured Loans. They believe the loan was not affordable and that Tandem should have carried out further checks before agreeing to the application. They have co... (3 pages)View decision