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 DRN6669284
2 Oct 2019 Global Kapital Group Ltd UpheldBanking and creditMr E complains that Global Kapital Group Ltd (trading as myKredit) lent to him in an irresponsible manner.backgroundMr E was given seven loans by myKredit between May 2017 and June 2018. Most of the loans were scheduled to be repaid in two or three monthly instalments. Mr E appears to have... (4 pages)View decision -
Decision Reference DRN0953451
26 Oct 2017 V7 Limited UpheldBanking and creditMr S complains V7 Limited (trading as vivus.co.uk) (“Vivus”) lent to him irresponsibly.backgroundMr S took out seven loans with Vivus during 2016. I’ve summarised these loans below:Loan # Date Date repaidAdvance InterestHighest Payment1 09/03/201601/04/2016£225 £20£2452 06/04/2... (4 pages)View decision -
Decision Reference DRN9363696
22 May 2017 IG Index Limited Not upheldInvestment and pensionsMr F’s complaint is about the administration of his spread betting account with IG Index Limited. IG closed three positions he held in GBP/USD. Mr F is unhappy IG closed his positions causing a large loss. Mr F thinks he had guaranteed stop loss orders which should ... (2 pages)View decision -
Decision Reference DRN-5283115
21 Feb 2025 Starling Bank Limited Not upheldBanking and PaymentsDRN-5283115 The complaint Mr N says Starling Bank Limited (“Starling”) refuses to refund him for transactions on his account he says he didn’t authorise. What happened The facts of this case are well known to both parties, so I won’t repeat them in detail here. In summary, Mr N has disp... (2 pages)View decision -
Decision Reference DRN-4742032
30 Apr 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4742032 The complaint Mr P complains that Monzo Bank Ltd irresponsibly gave him an overdraft he couldn’t afford to repay. What happened Mr P held a current account with Monzo and in February 2022 he applied to have an overdraft facility on the account. Monzo approved an overdraft of £1... (4 pages)View decision -
Decision Reference DRN-4805244
23 May 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4805244 The complaint Mr A complains that Vanquis Bank Limited was irresponsible in its lending to him. Mr A is represented by a third party but for ease of reference I have referred to Mr A throughout this decision. What happened Mr A was provided with a credit card with a credit limi... (4 pages)View decision -
Decision Reference DRN5229750
28 Sep 2016 MEM Consumer Finance Limited UpheldBanking and creditMr H complains that MEM Consumer Finance Limited, trading as PaydayUK, (Payday) gave him loans he couldn’t afford to repay. backgroundMr H took out eight loans with Payday between 2010 and 2013 for amounts ranging between £200 and £640. He rolled over each of them, apa... (3 pages)View decision -
Decision Reference DRN-5553646
12 May 2025 Tesco Personal Finance Limited UpheldBanking and PaymentsDRN-5553646 The complaint Mr G complains that Tesco Personal Finance Limited trading as Tesco Bank lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened The background to this complaint and my initial conclusions were set ou... (3 pages)View decision -
Decision Reference DRN-2853427
8 Jun 2021 PDL Finance Limited Not upheldConsumer CreditDRN-2853427 The complaint Mr L complains that PDL Finance Limited, trading as Mr Lender, lent to him irresponsibly. What happened Using information provided by PDL and Mr L, here is a brief table showing the approved loans. It has been amended since my last provisional decision dated 7 May... (6 pages)View decision -
Decision Reference DRN-5150132
3 Dec 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5150132 The complaint Mr G complains Monzo Bank Ltd didn’t assist him when he requested financial support. What happened Mr G complains about the lack of support provided by Monzo. He explained he asked Monzo to agree a payment plan to pay back his Flex balance, which is a credit f... (4 pages)View decision
