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 4744 results
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Decision Reference DRN-2712851
7 Jun 2021 UK Credit Limited UpheldConsumer CreditDRN-2712851 The complaint Mr B has complained that UK Credit Limited (“UK Credit”) provided him with an unaffordable loan. What happened UK Credit provided Mr B with a guarantor loan of £4,000.00 in May 2018. This loan had a 36-month term with a monthly repayment amount of £211.18. This al... (4 pages)View decision -
Decision Reference DRN-3137349
4 Jan 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3137349 The complaint Mr A complains that Barclays Bank UK PLC failed to refund several transactions he didn’t recognise. What happened Mr A received a message from Barclays which prompted him to check his account. He saw three transactions to an online betting merchant I’ll refer to a... (4 pages)View decision -
Decision Reference DRN-4813886
10 Jun 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4813886 Complaint Mr D has complained that Monzo Bank Ltd (“Monzo”) irresponsibly provided him with an overdraft which it continued applying charges on even when he was in financial difficulty. Background Monzo initially provided Mr D with an overdraft facility of £500, which had a cre... (4 pages)View decision -
Decision Reference DRN-2398986
10 Mar 2021 Advancis Limited UpheldConsumer CreditDRN-2398986 The complaint Mr H says Advancis Limited (trading as Bunny Loans) lent to him irresponsibly. What happened Mr H took out a guarantor loan from Bunny Loans in June 2019. It was for £5,000 over 60 months. The monthly repayment was £197.62 and the total repayable was £11,898.03. T... (4 pages)View decision -
Decision Reference DRN1955372
10 Oct 2018 Provident Personal Credit Limited Not upheldBanking and creditMr F complains that Provident Personal Credit Limited (“Provident”) lent to him irresponsibly. backgroundMr F took out two loans with Provident in 2012. One for £300 in March was settled a few months later but he took another loan out in September for £500 and this ... (2 pages)View decision -
Decision Reference DRN8621913
6 Mar 2018 Active Securities Limited Not upheldBanking and creditMr H complains that Active Securities Limited (trading as 247 Money Box) didn’t carry out proper affordability checks and irresponsibly granted him unaffordable payday loans. He says he was trapped in spiral of debt and sometimes had to borrow from other payday lender... (2 pages)View decision -
Decision Reference DRN0464826
31 Dec 2019 MBNA Limited Not upheldBanking and creditMrs N complains that MBNA Limited won’t reimburse her for her losses after she used her credit card to transfer money to an investment business that turned out to be a scam. backgroundMrs N opened a trading account with a business which I’ll refer to as “T”. T was a binary options trading... (2 pages)View decision -
Decision Reference DRN9574487
15 Jun 2015 Nationwide Building Society UpheldBanking and creditMr F complains that Nationwide Building Society unfairly re-debited his account with a fraudulent transaction, taking him overdrawn and causing him financial difficulty. backgroundMr F had a current account with Nationwide. He noticed three card transactions on his accoun... (2 pages)View decision -
Decision Reference DRN-3044148
27 Sep 2021 TSB Bank plc UpheldBanking and PaymentsDRN-3044148 The complaint Mr F has complained that TSB Bank plc (“TSB”) that changes to its overdraft pricing structure and continuing to charge him excessive amounts for his overdraft caused him financial difficulty. What happened Mr F says TSB acted unfairly by continuing to apply charge... (2 pages)View decision -
Decision Reference DRN-4573717
26 Apr 2024 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-4573717 The complaint Miss F complains that Shop Direct Finance Company Limited (“Shop Direct”), provided her with two catalogue shopping accounts that she could not afford, and continued to increase her credit limit when it shouldn’t have. What happened In November 2019 Shop Direct ap... (2 pages)View decision
