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 4727 results
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Decision Reference DRN-2919285
25 Jan 2022 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-2919285 The complaint Mr U complains that Monzo Bank Ltd did not help him recover money he’d deposited into an online trading account which he says turned out to be a scam. What happened In June 2019 Mr U saw an online advertisement for a firm, which said it provided a trading platform... (3 pages)View decision -
Decision Reference DRN-4752119
9 May 2024 Bank of Scotland Plc UpheldConsumer CreditDRN-4752119 The complaint Mrs L complains that Bank of Scotland plc trading as Halifax was irresponsible in its lending to her. Mrs L is represented by a family member but for ease of reference I have referred to Mrs L throughout this decision. What happened Mrs L was provided with a £6,00... (3 pages)View decision -
Decision Reference DRN-3372802
31 Mar 2022 Apfin Ltd Not upheldConsumer CreditDRN-3372802 The complaint Mr U complained about an instalment loan he took out with APFIN LTD trading as cashasap.co.uk. What happened cashasap.co.uk provided a loan to Mr U as follows: Date Taken Loan status Monthly instalments Loan Amount Highest Monthly Repayment 1/6/2021 outstanding 6 ... (4 pages)View decision -
Decision Reference DRN-5601663
13 Jun 2025 Oakbrook Finance Limited UpheldBanking and PaymentsThe complaint Mr R, who is represented by a third party, complains that Oakbrook Finance Limited, trading as Likely Loans (‘Likely Loans’), was irresponsible in providing him with five loans. What happened Mr R was provided with five fixed sum loan agreements between September 2020 and Mar... (5 pages)View decision -
Decision Reference DRN-5137755
20 Dec 2024 Oakbrook Finance Limited Not upheldConsumer CreditDRN-5137755 Complaint Mr M has complained about a loan Oakbrook Finance Limited (trading as “Finio Loans”) provided to him. He says he shouldn’t have been lent to as he wasn’t working at the time of his application and this meant that Finio Loans shouldn’t have lent to him. Background... (4 pages)View decision -
Decision Reference DRN-3103218
17 Oct 2021 Bamboo Limited Not upheldConsumer CreditDRN-3103218 The complaint Mr Y complains about 3 loans provided to him by Bamboo Limited trading as “Bamboo”, which he says were unaffordable. What happened Mr Y was given 3 loans by Bamboo. The details of these are as follows: Number Date taken Amount Term Repayment 1 02/08/2018 £3000 24 ... (3 pages)View decision -
Decision Reference DRN-1436165
7 May 2020 Elevate Credit International Limited UpheldConsumer CreditDRN-1436165 The complaintMr B says Elevate Credit International Limited, trading as Sunny (“Sunny”), irresponsibly lent to him. Mr B has told us he had a gambling problem which caused him to get into a cycle of debt. What happenedThis complaint is about ten short-term loans Sunny provided ... (4 pages)View decision -
Decision Reference DRN9412016
20 Aug 2019 Evolution Lending Limited Not upheldBanking and creditThis complaint is about a secured loan of £5,000 Mr C took out in 2013 with Evolution Lending Limited. Mr C says Evolution failed to do adequate checks into his financial circumstances, and had it been more thorough, it would have rejected his application. He’d like to be put in the positi... (4 pages)View decision -
Decision Reference DRN-3352072
26 May 2022 Everyday Loans Limited Not upheldConsumer CreditDRN-3352072 The complaint Mr B is unhappy that Everyday Loans Limited agreed to a loan he’d applied for as he said it was unaffordable for him. What happened In June 2019, Mr B took out a £5,100 loan with Everyday, to be repaid over 24 months with repayments of £336.45 a month. Mr B said t... (4 pages)View decision -
Decision Reference DRN-2981100
31 Aug 2021 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-2981100 The complaint Mr M said that Capital One (Europe) plc trading as Capital One lent him money through two credit card accounts, which he said he couldn’t afford to pay back. But when he complained, it only refunded the interest he paid on one. He wanted the other card refunded to... (3 pages)View decision
