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 DRN6208061
23 Jan 2018 MMP Financial Limited Not upheldBanking and creditMr D complains that MMP Financial Limited, trading as Swift Sterling, gave him loans he couldn’t afford to repay.backgroundMr D took out the following loans with Swift Sterling: date £ amount borrowed /to be repaid (rounded)date repaid1 16 July 2016250/27227 July 20162 ... (2 pages)View decision -
Decision Reference DRN-1724592
20 Apr 2020 Gain Credit LLC Not upheldConsumer CreditDRN-1724592 ComplaintMr C says Gain Credit LLC (trading as Drafty) lent to him irresponsibly.BackgroundThis complaint is about an open-ended credit facility Drafty approved for Mr C in March 2018. Mr C says Drafty shouldn't have allowed him to open the facility as he couldn't aff... (2 pages)View decision -
Decision Reference DRN-5453927
23 Dec 2025 Brent Shrine Credit Union Limited UpheldConsumer CreditDRN-5453927 The complaint Mr K is complaining that Brent Shrine Credit Union Limited trading as My Community Bank (MCB) acted irresponsibly in lending to him. His complaint has been handled by a representative, but for ease I’ve written as if we’ve dealt directly with him throughout. Wh... (4 pages)View decision -
Decision Reference DRN-2901359
27 Jul 2021 TransferWise Ltd Not upheldBanking and PaymentsDRN-2901359 The complaint Mr B has complained TransferWise Ltd won’t refund him for multiple transactions he says he didn’t make. What happened On 8 January 2020, Mr B submitted disputes for 39 gambling transactions between 14 November 2019 and 3 January 2020. Mr B says a similar event occ... (4 pages)View decision -
Decision Reference DRN0290311
20 Sep 2017 Active Securities Limited UpheldBanking and creditMs L complains that Active Securities Limited trading as 247 Moneybox lent her money she couldn’t afford to repay.backgroundMs L took out 22 loans with 247 Moneybox between November 2014 and May 2016. She thinks 247 Moneybox was irresponsible to lend her money. Ms L... (3 pages)View decision -
Decision Reference DRN-3014255
26 Aug 2021 Oakbrook Finance Limited UpheldConsumer CreditDRN-3014255 The complaint Mr P complains that Oakbrook Finance Limited trading as Likely Loans (Likely Loans) provided lending to him which was unaffordable and irresponsible. He says they should have looked at his financial circumstances in more detail before agreeing to the loans as he c... (3 pages)View decision -
Decision Reference DRN-4213434
9 Nov 2023 Morses Club PLC Not upheldConsumer CreditDRN-4213434 The complaint Mr M complains that Morses Club PLC irresponsibly gave him a fixed sum loan agreement he couldn’t afford to repay. What happened In October 2022, Mr M applied for a personal loan with Morses. He borrowed £980 which was to be repaid by 52 weekly repayments of £36.7... (2 pages)View decision -
Decision Reference DRN4868980
25 Aug 2017 National Westminster Bank Plc Not upheldBanking and creditMs R complains that National Westminster Bank Plc took £2,000 from her account and sent her a bank card in her father’s name. She also complains about abusive behaviour from NatWest’s staff and that a manager followed her into another bank to cause trouble.background ... (2 pages)View decision -
Decision Reference DRN7489925
3 Jul 2013 Santander UK Plc UpheldBanking and creditMr G complains that Santander UK Plc lent to him irresponsibly, because it gave him an overdraft facility without carrying out proper checks when he had a gambling addiction. He also complains about the bank’s handling of the complaint and the interest and charges that were added to the ... (3 pages)View decision -
Decision Reference DRN-4494584
12 Jan 2024 Everyday Lending Limited Not upheldConsumer CreditDRN-4494584 The complaint Mr M complains that Everyday Lending Limited trading as Everyday Loans irresponsibly gave him a loan that he couldn’t afford. For simplicity I will refer to the business as ‘Everyday’ during this decision. Mr M is represented in this complaint. For simplicity I wi... (3 pages)View decision