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-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 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 DRN-5601663
13 Jun 2025 Oakbrook Finance Limited UpheldBanking and PaymentsThe complaint Mr R, who is represented by a third party, complains that Oakbrook Finance Limited, trading as Likely Loans (‘Likely Loans’), was irresponsible in providing him with five loans. What happened Mr R was provided with five fixed sum loan agreements between September 2020 and Mar... (5 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-4819491
19 Aug 2024 TSB Bank plc Not upheldConsumer CreditDRN-4819491 The complaint Miss G complains that TSB Bank plc lent to her irresponsibly. Miss G says that TSB should have known from the transactions on her current account and her credit card that she was gambling and so not lent to her. Miss G also complains about a telephone call she ... (8 pages)View decision -
Decision Reference DRN0560452
31 Oct 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr D complains CURO TRANSATLANTIC LIMITED, trading as Wage Day Advance (WDA), lent to him irresponsibly.backgroundThe background to this complaint, and my provisional findings on it, can be found in my provisional decision which is attached to and forms a part of this ... (6 pages)View decision -
Decision Reference DRN-3036451
8 Sep 2021 PDL Finance Limited UpheldConsumer CreditDRN-3036451 The complaint Mr T said PDL Finance Limited trading as Mr Lender gave him loans that he couldn’t afford. What happened Mr Lender provided loans to Mr T as follows: Loan Date Taken Date Repaid Instalment s Amount Highest Repayme nt 1 06/09/2014 02/10/2014 6 £250.00 £116.66 2 23/... (6 pages)View decision