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 DRN7005678
18 Feb 2020 Bank of Scotland Plc UpheldBanking and creditMr L complains Bank of Scotland plc trading as Halifax (“Halifax”) were irresponsible when they approved multiple applications for an increase in his arranged overdraft.backgroundMr L brought his complaint to us as he was unhappy with the responses he received from Halifax in relation to h... (3 pages)View decision -
Decision Reference DRN1057310
3 May 2018 WDFC UK Limited UpheldBanking and creditMr K complains that WDFC UK Limited (trading as Wonga) gave him loans that he couldn’t afford and trapped him into a spiral of debt.backgroundMr K took out a total of 12 loans with Wonga between May 2016 and June 2017. The amounts he borrowed varied.Mr K says that ... (3 pages)View decision -
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-5511288
11 Jun 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5511288 The complaint Mr R complains that Monzo Bank Ltd (Monzo) acted irresponsibly in granting him a personal current account overdraft, and in increasing its limit. What happened Mr R has had a personal current account with Monzo for several years. In July 2022, Monzo granted Mr... (3 pages)View decision -
Decision Reference DRN5706967
9 Sep 2016 PDL Finance Limited UpheldBanking and creditMr C complains that PDL Finance Limited (trading as Mr Lender) gave him loans he couldn’t afford to repay. He asks that it writes off the debt, corrects his credit file and pays compensation. backgroundMr C took two loans from Mr Lender in November 2012 and January... (2 pages)View decision -
Decision Reference DRN-1747601
7 Jul 2020 PDL Finance Limited Not upheldConsumer CreditDRN-1747601 The complaintMr S complains that PDL Finance Limited (trading as Mr Lender) was irresponsible to lend to him. What happenedMr S had two loans from Mr Lender between June and December 2017 as follows:Loan Date AmountTermMax Monthly Repayment Due Repaid 128 Jun 2017£3006m£1061 D... (2 pages)View decision -
Decision Reference DRN0695457
27 Jan 2020 MYJAR Limited UpheldBanking and creditMr S complains that MYJAR Limited was irresponsible to lend to him.backgroundMr S had five 12-month instalment loans from Myjar between May 2017 and April 2018 as follows:Loan Date AmountTermMonthly Repayment DueRepaid 18 May 2017£1,825357d£270.7430 Apr 201825 Aug 201727 Sep 2017£700358d£1... (2 pages)View decision -
Decision Reference DRN4735879
31 May 2017 Bank of Scotland Plc Not upheldBanking and creditMrs B complains that Bank of Scotland plc (trading as Halifax) will not refund payments she says she did not authorise from her bank account.backgroundThe payments were made with Mrs B’s card. She says that she had allowed her son to use her card and PIN. She trusted ... (2 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 DRN1501102
24 Jul 2017 Amigo Loans Ltd Not upheldBanking and creditMr M complains that Amigo Loans Ltd 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 guarantor loan for £5000 with Amigo in 2013 the APR wa... (2 pages)View decision