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 5118 results
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Decision Reference DRN-2040333
1 Sep 2020 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-2040333The complaintMr M is unhappy that National Westminster Bank Plc (NatWest) declined his chargeback request. What happenedIn December 2019 and January 2020 Mr M made four deposits into his account with an online gambling company (the company). But the company wouldn’t let Mr M mak... (2 pages)View decision -
Decision Reference DRN-4183453
4 Jul 2023 Specialist Motor Finance Limited UpheldConsumer CreditDRN-4183453 The complaint Mr A is complaining about Specialist Motor Finance Limited’s (SMFL) decision to lend to him. What happened In March 2017, Mr A took out a hire purchase agreement with SMFL to finance the purchase of a car. He borrowed £4,295 over a 48 month term, with monthly repa... (4 pages)View decision -
Decision Reference DRN-3274376
18 Feb 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3274376 The complaint Mr B complained that Everyday Lending Limited (trading as Everyday Loans) lent to him irresponsibly and provided him with loans that were unaffordable. What happened Everyday Loans provided loans to Mr B as follows: Loan Date loan taken Date paid Capital loan amou... (5 pages)View decision -
Decision Reference DRN1425823
28 Sep 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr H complains about eight payday loans he took out with Express Finance (Bromley)Limited, trading as Payday Express,(“EFL”). He said that EFL shouldn’t have given him theloans as they were unaffordable. He wants the loans removed from his credit file.background Mr H t... (4 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 DRN9673684
20 Feb 2018 Avantcredit Of Uk, Llc Not upheldBanking and creditMr S complains that a fixed sum loan agreement with AvantCredit of UK, LLC was mis-sold to him as it was irresponsible lending and that he’s being asked to pay more than he owes.backgroundMr S entered into a fixed sum loan agreement with AvantCredit in January 2016.... (2 pages)View decision -
Decision Reference DRN4798855
26 Sep 2016 IG Index Limited Not upheldInvestment and pensionsMr C complains that IG Index Limited: manipulated the transactions he entered into for their gain misled him about the nature of, and risks involved in using, their services unfairly closed some of his transactions used prices which weren’t reflective of the under... (2 pages)View decision -
Decision Reference DRN2159007
25 Apr 2017 Barclays Bank Plc UpheldBanking and creditMr G complains that Barclays Bank Plc has held him liable for transactions on his account that he says he neither made nor authorised.He wants Barclays to credit his account with the value of the disputed transactions backgroundThe disputed transactions include ‘poi... (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
