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 DRN4929044
14 Nov 2017 Lloyds Bank PLC Not upheldBanking and creditMrs K says Lloyds Bank PLC set up a joint account for her and her husband incorrectly and as a result her husband was able to remove funds without her consent. She’d now like Lloyds to refund the money withdrawn.backgroundMrs K and her husband opened an account with ... (4 pages)View decision -
Decision Reference DRN-2940530
22 Nov 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2940530 The complaint Mr B is unhappy that Barclays Bank UK PLC, trading as Barclaycard, provided him with credit which he feels was unaffordable for him. What happened Mr B had a credit card account with Barclaycard. In June 2017 his credit limit was increased from £2,600 to £3,900. A... (4 pages)View decision -
Decision Reference DRN-3049857
25 Feb 2022 UK Credit Limited UpheldConsumer CreditDRN-3049857 The complaint Mr C complains that UK Credit Limited irresponsibly lent to him when he took out a guarantor loan with it. What happened Mr C borrowed £5000 with UK Credit Limited in 2016 with a guarantor loan. He complained in 2019 that the loan had been irresponsibly lent to hi... (4 pages)View decision -
Decision Reference DRN-4838041
10 Jun 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4838041 The complaint Mr M complains that NewDay Ltd acted irresponsibly in lending him two credit cards. What happened Mr M took out a credit card with NewDay under its Aqua brand in June 2021, with a credit limit of £600. In November 2022, Mr M took out a further credit card with New... (4 pages)View decision -
Decision Reference DRN1474135
2 Aug 2017 Everyday Lending Limited Not upheldBanking and creditMrs G complains on behalf of her son Mr G about the total amount repayable on a loan made by Everyday Lending Limited.backgroundMr G took out a loan with Everyday in August 2016. The loan was for £2000 over 30 months and the monthly repayments were £141.90 making ... (3 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-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-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