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 5125 results
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Decision Reference DRN6399366
4 Jun 2019 Casheuronet UK LLC UpheldBanking and creditMr H complains that CashEuroNet UK LLC, trading as QuickQuid, lent to him in an irresponsible manner.backgroundMr H took out five loans with QuickQuid between July 2016 and November 2017. The last loan remains outstanding. A summary of the loans is as follows:date£ ... (3 pages)View decision -
Decision Reference DRN-4689841
23 Apr 2024 TSB Bank plc UpheldBanking and PaymentsDRN-4689841 The complaint Mr R complains that TSB Bank plc have been unable to retrieve funds he sent to a wrong account. Mr R is also unhappy that TSB closed his accounts and the service he received. What happened Mr R had a current account and savings account with TSB. In September 2023,... (5 pages)View decision -
Decision Reference DRN-3036281
17 Sep 2021 Nationwide Building Society UpheldBanking and PaymentsDRN-3036281 The complaint Miss G’s complaint came up because of the way Nationwide Building Society handled her basic account when it went overdrawn. Her complaint has expanded, as she’s unhappy with the steps Nationwide have taken over the years to help her with her mental health issues a... (6 pages)View decision -
Decision Reference DRN6147516
1 May 2018 Amigo Loans Ltd Not upheldBanking and creditMr W complains that Amigo Loans Ltd engaged in irresponsible lending to him.backgroundMr W says Amigo shouldn’t have made loans to him. He says if it had looked into his finances in more detail it would’ve seen he was in a lot of debt which spiralled out of contro... (2 pages)View decision -
Decision Reference DRN-2513967
29 Jan 2021 Western Circle Ltd UpheldConsumer CreditDRN-2513967 The complaint Mr M complains that Western Circle Ltd (trading as ‘Cashfloat’) acted irresponsibly when lending to him. What happened Between September 2019 and January 2020 Cashfloat provided Mr M with four loans. Here’s a table setting out loan details: Loan Date Taken Date Re... (4 pages)View decision -
Decision Reference DRN-5235976
9 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5235976 The complaint With the help of a professional representative (PR), Mr D complains that Vanquis Bank Limited lent to him irresponsibly. For ease, I’ll refer to the PR’s actions as being those of Mr D. What happened On 15 August 2014, Mr D applied for – and received – a credit... (4 pages)View decision -
Decision Reference DRN-5309390
14 Feb 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5309390 The complaint Mr B complains that Moneybarn No.1 Limited trading as Moneybarn (“Moneybarn”) lent to him without carrying out sufficient checks. What happened In July 2022, Moneybarn provided Mr B with a conditional sale agreement for a used car through a credit intermediar... (4 pages)View decision -
Decision Reference DRN-2675362
18 Aug 2021 UK Credit Limited UpheldConsumer CreditDRN-2675362 The complaint Mr T says UK Credit Limited lent to him irresponsibly. What happened Mr T took out a guarantor loan from UK Credit on 15 August 2018. It was for £9000 over 60 months. The monthly repayment was £313.96 and the total repayable was £18837.60. I understand there remai... (4 pages)View decision -
Decision Reference DRN-5502443
5 Sep 2025 Lendable Ltd Not upheldBanking and PaymentsDRN-5502443 The complaint Mr Y complains that Lendable Ltd trading as Zable irresponsibly lent to him. What happened Mr Y was approved for a Zable credit card in May 2022 with a credit limit of £500. I have detailed out the credit limit increases below: July 2022 £500 to £800 December 2... (4 pages)View decision -
Decision Reference DRN-5833676
30 Sep 2025 Monzo Bank Ltd UpheldBanking and PaymentsDRN-5833676 The complaint Mr M complains that Monzo Bank Ltd (Monzo) has treated him unfairly about transactions made on his debit card for simulated trading accounts. What happened Mr M purchased a simulated trading account from a merchant who I’ll call T. The payment was made using Mr... (3 pages)View decision
