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-5513455
16 Jul 2025 Metro Bank PLC UpheldConsumer CreditDRN-5513455 The complaint Mr K complains Metro Bank PLC trading as RateSetter registered a CIFAS marker against him in relation to a loan he’d taken out in 2021. What happened Mr K took out a personal loan for £2,500 loan with Ratesetter in October 2021. Ratesetter were contacted just o... (3 pages)View decision -
Decision Reference DRN-1943949
12 Aug 2020 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-1943949 The complaintMr M complains about Lloyds Bank PLC account charges that caused financial hardship and that it irresponsibly increased his overdraft limit. What happenedMr M says Lloyds account charges have caused him financial hardship over many years. He says he has had a gambl... (3 pages)View decision -
Decision Reference DRN-4194934
5 Oct 2023 Everyday Lending Limited Not upheldConsumer CreditDRN-4194934 The complaint Mr A complains that Everyday Lending Limited, trading as Everyday Loans (“Everyday Loans”) , lent to him irresponsibly. What happened Mr A took out a loan with Everyday Loans in June 2021. He borrowed £1,000 over 18 months, repaying £120.12 a month, meaning he’d r... (3 pages)View decision -
Decision Reference DRN4592814
23 Oct 2018 Casheuronet UK LLC UpheldBanking and creditMr R has complained about short-term loans granted to him by CashEuroNet UK LLC trading as QuickQuid. Mr R says he couldn’t afford these loans and that QuickQuid didn’t take appropriate steps to check whether he could afford them when he took them out. backgroundQuickQ... (4 pages)View decision -
Decision Reference DRN-4960308
12 Aug 2024 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-4960308 The complaint Mr L complains that Moneybarn No. 1 Limited (Moneybarn) irresponsibly entered into a conditional sale agreement with him. Mr L is bringing this complaint with the help of a representative, but for ease I’ll refer to Mr L throughout this provisional decision. Wh... (5 pages)View decision -
Decision Reference DRN6011357
26 Sep 2013 National Westminster Bank Plc Not upheldBanking and creditMr G says National Westminster Bank Plc is wrong to hold him responsible for transactions with a betting company debited to his account. backgroundThe transactions were made via the account Mr G had set up with the betting company, which he had previously used for undisputed transactions.... (2 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 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-5783294
16 Dec 2025 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-5783294 The complaint Mr B complains that Shop Direct Finance Company Limited trading as “Very” provided him with a catalogue account and increased his limit irresponsibly. What happened Very provided Mr B with a catalogue account in December 2021 with a limit of £250. It increased... (5 pages)View decision -
Decision Reference DRN-2425424
13 Jul 2021 TFS Loans Limited UpheldConsumer CreditDRN-2425424 The complaint Mr C says TFS Loans Limited lent to him irresponsibly. What happened Mr C took out two guarantor loans from TFS as summarised below. He used funds from loan 2 to repay loan 1 and I understand there is an outstanding balance on loan 2. Loan date value, £ term, mont... (4 pages)View decision