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 DRN3309831
6 Dec 2018 Amigo Loans Ltd Not upheldBanking and creditMr P complains that Amigo Loans Ltd lent irresponsibly by agreeing four loans in under a year. Mr P also complains that when he asked for help in May 2017 Amigo didn’t offer any assistance. backgroundMr P borrowed £2,500 from Amigo in May 2016. He went on to incr... (3 pages)View decision -
Decision Reference DRN-4640526
17 Jun 2024 Paysafe Financial Services Limited Not upheldBanking and PaymentsDRN-4640526 The complaint Mrs K is unhappy with Paysafe Financial Services Limited (trading as Neteller) decision to close her account and retain funds her funds. What happened Mrs K opened an account with Neteller in 2023 and made deposits into it. Mrs K has said she used the account to s... (3 pages)View decision -
Decision Reference DRN-5740686
26 Aug 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5740686 The complaint Mr T complains Barclays Bank UK PLC unfairly added his details to a fraud database. What happened Mr T says his mobile glitched and paid money to a betting app installed on his phone. Mr T contacted Barclays and asked it to raise a chargeback, he hadn’t auth... (3 pages)View decision -
Decision Reference DRN-5203640
12 Dec 2024 Lloyds Bank PLC Not upheldConsumer CreditDRN-5203640 Complaint Mr D complains that Lloyds Bank PLC (“Lloyds”) unfairly entered into a hire-purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable and so he shouldn’t have been lent to. Background In August 2019, Lloyds provided Mr D ... (3 pages)View decision -
Decision Reference DRN3284303
28 Sep 2017 SRC Transatlantic Limited UpheldBanking and creditMr K complains about loans taken with SRC Transatlantic Limited (trading as Speedy Cash) which he says shouldn’t have been given to him because the loans weren’t affordable. backgroundA summary of Mr K’s borrowing is as follows; loan numberloan amountreceived date act... (4 pages)View decision -
Decision Reference DRN-3197956
4 Jan 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3197956 The complaint Mr L complains that NewDay Ltd was irresponsible in its lending to him. He wants the interest and charges on his credit cards refunded and the accounts removed from his credit file. What happened NewDay provided Mr L with two credit cards. He says that at the time... (4 pages)View decision -
Decision Reference DRN-4873763
26 Jun 2024 Madison CF UK Limited Not upheldConsumer CreditDRN-4873763 The complaint Mr H is complaining that Madison CF UK Limited trading as 118 118 Money (118) lent to him irresponsibly by providing him with two personal loans. Mr H’s complaint has been brought to us by a representative but for ease I’ve written as if we’ve dealt directly with ... (4 pages)View decision -
Decision Reference DRN-3063054
22 Sep 2021 Bamboo Limited UpheldConsumer CreditDRN-3063054 The complaint Mr M complained that Bamboo Limited irresponsibly provided him with unaffordable loans. What happened Bamboo provided Mr M with loans as follows: Date Amount Term Monthly Repayment Loan 1 22/10/2018 £2,000 24 months £138.19 Loan 2 14/05/2019 £635.10 additional fun... (6 pages)View decision -
Decision Reference DRN-4871227
25 Jun 2024 Admiral Financial Services Limited Not upheldConsumer CreditDRN-4871227 The complaint Mr M is complaining that Admiral Financial Services Limited trading as Admiral Money (Admiral) lent to him irresponsibly by providing him with a personal loan. What happened In January 2023, Admiral approved Mr M’s application for a £5,000 loan to consolidate his ... (5 pages)View decision -
Decision Reference DRN-4932525
7 Aug 2024 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4932525 The complaint Mr H complains that Tesco Personal Finance PLC, trading as Tesco Bank, irresponsibly provided him with a credit card account he couldn’t afford. What happened In May 2021 Tesco opened a credit card account for Mr H. The credit limit was set at £6,800. In 2024,... (3 pages)View decision