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-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-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 -
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-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-3157754
23 Dec 2021 Street (UK) C.I.C. Not upheldConsumer CreditDRN-3157754 The complaint Mr W complains that the loan he had from Street (UK) C.I.C. was unaffordable to him. What happened Mr W borrowed £200 from Street UK on 7 November 2019. The loan was due to be repaid by 12 four-weekly instalments of £25. Mr W says the repayments were unaffordable ... (3 pages)View decision -
Decision Reference DRN1949778
22 Jun 2016 Barclays Bank Plc Not upheldBanking and creditMrs B complains that Barclays Bank Plc closed her account. The bank did this after it said her husband was abusive to its staff when he was speaking to them about problems with the account. Mrs B’s helped in her complaint by her husband.backgroundAlthough the acc... (2 pages)View decision -
Decision Reference DRN0353598
6 Jul 2016 Covea Insurance plc UpheldInsurance (excluding PPI)S, a limited company, complains about the settlement of a claim by Covea Insurance plc under a commercial insurance policy.backgroundS made a claim under the policy following a theft. The person responsible for the theft was an ex-employee (who I’ll call Mr Z). The ... (3 pages)View decision -
Decision Reference DRN-5071835
20 Dec 2024 Revolut Ltd Not upheldBanking and PaymentsDRN-5071835 The complaint Mr F complains that Revolut Ltd hasn’t helped him recover a payment that was sent to his account by another company. What happened In April 2024, Mr F instructed a company to transfer some money to his account with Revolut. The money was never received though a... (2 pages)View decision -
Decision Reference DRN7234119
3 Apr 2019 Gain Credit LLC UpheldBanking and creditMr D complains about eight instalment loans that he took out with Gain Credit LLC, tradingas Lending Stream, (“LS”). He said, in summary, that LS shouldn’t have given him the loansas they were unaffordable.backgroundMr D took out eight instalment loans with LS and th... (7 pages)View decision -
Decision Reference DRN1055479
7 Dec 2018 Uncle Buck Finance LLP UpheldBanking and creditMr B says Uncle Buck Finance LLP lent to him irresponsibly. He says it wasn’t fair for Uncle Buck to lend to him as he had many other payday loans at the same time.backgroundI sent Mr B and Uncle Buck my provisional decision on 19 November 2018. A copy of it is ... (6 pages)View decision