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 DRN8146427
21 Dec 2018 Gain Credit LLC Not upheldBanking and creditMr G complains about two instalment loans that he took out with Gain Credit LLC, trading as Lending Stream, (“LS”). The complaint is brought to this service on Mr G’s behalf by a firm of solicitors. But for ease I shall refer below to all actions being taken by Mr ... (3 pages)View decision -
Decision Reference DRN-3583459
14 Sep 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3583459 The complaint Mr S complains that Barclays Bank UK PLC failed to refund him transactions he didn’t recognise which impacted his credit score and they were unprofessional when he reported the situation to them. What happened Mr S approached Barclays about transactions that had b... (3 pages)View decision -
Decision Reference DRN6802474
17 Sep 2019 Uncle Buck Finance LLP Not upheldBanking and creditComplaintMrs B complains that Uncle Buck Finance LLP gave her loans irresponsibly.BackgroundThis complaint is about two payday loans Uncle Buck provided to Mrs B in October and December 2013, as follows: Loan NoAmountDate lentLoan termDate repaid 1£3503.10.13.23 days25.10.13 2£4506.12.1315... (3 pages)View decision -
Decision Reference DRN-5144596
29 Nov 2024 Lendable Ltd Not upheldBanking and PaymentsDRN-5144596 Complaint Mr M has complained about a credit card Lendable Ltd (trading as “Zable”) provided to him. He says the credit card and the subsequent credit limit increases were irresponsibly provided to him as they were unaffordable. Background Zable provided Mr M with a credit ... (3 pages)View decision -
Decision Reference DRN-4065094
26 Apr 2023 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-4065094 The complaint Mr A complains Mitsubishi HC Capital UK Plc trading as Novuna Personal Finance irresponsibly gave him two fixed sum loan agreements he couldn’t afford. What happened In October 2018, Mr A was given a cash loan of £25,000. He was required to pay 79 monthly repaymen... (3 pages)View decision -
Decision Reference DRN-5722876
13 Aug 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5722876 Complaint Mr H has complained about a credit card Barclays Bank UK Plc (trading as “Barclaycard”) provided to him. He says that he shouldn’t have been given the credit card and that it was irresponsibly provided to him. Background Mr H was provided with three credit cards ... (3 pages)View decision -
Decision Reference DRN-5611564
8 Jul 2025 Chetwood Financial Limited Not upheldConsumer CreditDRN-5611564 The complaint Mr P says Chetwood Financial Limited, trading as LiveLend, irresponsibly lent to him. What happened Mr P took out a loan from LiveLend for £10,000 over 24 months on 2 August 2019. The monthly repayments were £483 and the total repayable was £11,597.51. Mr P sa... (3 pages)View decision -
Decision Reference DRN-5535871
7 May 2025 UK Credit Limited Not upheldConsumer CreditDRN-5535871 The complaint Mr T, through a representative, says UK Credit Limited lent to him irresponsibly. What happened Mr T took out a guarantor loan from UK Credit on 15 November 2018. It was for £2,000 over 36 months. The monthly repayment was £113.14 and the total repayable was £4... (3 pages)View decision -
Decision Reference DRN2592544
20 Nov 2018 IG Index Limited Not upheldInvestment and pensionsMr S’ complaint to this service, about IG Index Limited (IG), began on the following basis: IG did not self-regulate its service in terms of the appropriateness of his execution only spread betting account, which he opened in 2000. In this context and under its du... (3 pages)View decision -
Decision Reference DRN-5249039
11 Dec 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5249039 The complaint Mr P complains that Monzo Bank Ltd (“Monzo”) hasn’t reimbursed money he lost to a scam. What happened In the summer of 2024, Mr P contacted Monzo and disputed several transactions that had been made on his Monzo debit card. He said the merchants took payments ... (3 pages)View decision