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 5123 results
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Decision Reference DRN-5273847
15 Feb 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5273847 The complaint Miss F complains Nationwide Building Society (NBS) acted irresponsible when they agreed to her opening a credit card account, and subsequent credit limit increases. What happened In November 2022 Miss F applied for a credit card account with NBS. Her applicatio... (3 pages)View decision -
Decision Reference DRN-5503995
14 Aug 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5503995 The complaint Mr B has complained about a Monzo credit card account, also known as a flex account, that was provided to him by Monzo Bank Limited (“Monzo”). He’s said the card was unaffordable for him and so it should never have been provided in the first place. What happen... (4 pages)View decision -
Decision Reference DRN2569377
24 Jul 2017 UK Credit Limited Not upheldBanking and creditMr M complains that UK Credit Limited shouldn’t have granted him a loan as it was unaffordable. He’s also unhappy about the amount he’s been repaying on the loan and the amount of interest.backgroundMr M took out a loan with UK Credit in December 2012 for £3500. The... (2 pages)View decision -
Decision Reference DRN6618182
1 Aug 2017 Creation Financial Services Limited Not upheldBanking and creditMr D complains that Creation Financial Services Limited made mistakes in dealing with payments from his account, provided poor customer service and wrongly applied charges.backgroundThe adjudicator did not recommend that CFSL do any more than it had already offered to. S... (3 pages)View decision -
Decision Reference DRN4943067
11 Jan 2018 Lending Stream Llc UpheldBanking and creditMr A complains that Lending Stream LLC wrongly lent him money he couldn’t afford to pay back.backgroundMr A took out four instalment loans with Lending Stream between October and November 2013. He said that the business didn’t carry out proper affordability checks and allo... (3 pages)View decision -
Decision Reference DRN-4688114
18 Mar 2024 Lloyds Bank PLC UpheldConsumer CreditDRN-4688114 The complaint Mr I complains that Lloyds Bank PLC irresponsibly lent to him. What happened I issued a provisional decision where I set out a detailed background to this complaint, so I won’t repeat the background here. My provisional decision forms part of this final decision a... (3 pages)View decision -
Decision Reference DRN-4567347
24 Jan 2024 Chetwood Financial Limited Not upheldBanking and PaymentsDRN-4567347 Complaint Mr J has complained about a credit card Chetwood Financial Limited (trading as “Wave”) provided to him. He says that had adequate checks been carried out, via the request of bank statements, he wouldn’t have been lent to. Background In May 2022, Wave provided Mr J wit... (3 pages)View decision -
Decision Reference DRN-4748753
26 Apr 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4748753 Complaint Mr D complains that Moneybarn Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the monthly payments to this agreement were unaffordable. Mr D is being assisted with his complaint by a Claims Management Company (“CMC”). ... (3 pages)View decision -
Decision Reference DRN-4566130
22 Jan 2024 Go Car Credit Limited Not upheldConsumer CreditDRN-4566130 Complaint Mr M complains that Go Car Credit Limited (“Go Car Credit”) unfairly entered into a hire purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable. Background In November 2018, Go Car Credit provided Mr M with finance for a u... (3 pages)View decision -
Decision Reference DRN1818230
12 Sep 2017 Casheuronet UK LLC Not upheldBanking and creditMs B complains that CashEuroNet UK LLC (trading as Quick Quid) gave her loans that she couldn’t afford to repay. She asks that it refunds interest and charges and removes information about the loans from her credit file.background Ms B took out seven loans between Nove... (3 pages)View decision
