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 5443 results
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Decision Reference DRN6011440
3 Apr 2014 Cheltenham & Gloucester plc Not upheldBanking and creditMr T complains – through his representative – that Cheltenham & Gloucester Plc (‘C & G’) mis-sold his mortgage.backgroundIn March 2003 Mr T (aged 48) took out a repayment mortgage from C & G for £65,000 over 15 years. The initial monthly payment was £488. The purpose o... (2 pages)View decision -
Decision Reference DRN-2895568
11 Oct 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2895568 The complaint Mr W complains about a loan provided to him by Loans 2 Go Limited (“Loans 2 Go”), which he says was unaffordable. What happened Loans 2 Go provided Mr W with a fixed sum loan. The details are given below: Number Taken Instalment Amount Monthly Instalments 1 18/02/... (4 pages)View decision -
Decision Reference DRN-6074056
29 Jan 2026 Creation Consumer Finance Limited Not upheldConsumer CreditDRN-6074056 Complaint Miss B has complained about a loan Creation Consumer Finance Limited (“Creation”) provided to her. She says that the loan was unaffordable given her circumstances at the time and proportionate checks would have shown this to be the case. Background Creation provid... (4 pages)View decision -
Decision Reference DRN-5696236
18 Jul 2025 Monzo Bank Ltd UpheldBanking and PaymentsDRN-5696236 The complaint Mr Y has complained about Monzo not refunding several payments he says he made and lost to scams. What happened The background to this complaint is well known to both parties, so I won’t repeat it in detail here. In summary Mr Y says he made payments to differ... (4 pages)View decision -
Decision Reference DRN-2942771
27 Sep 2021 TFS Loans Limited UpheldConsumer CreditDRN-2942771 The complaint Miss L has complained that TFS Loans Limited (“TFS Loans”) provided her with an unaffordable loan. What happened TFS Loans provided Miss L with a loan of £7,500 in April 2017. This loan had a 60-months term with a monthly repayment amount of £293.19. This all mea... (4 pages)View decision -
Decision Reference DRN6988791
16 Jan 2020 PDL Finance Limited UpheldBanking and creditMr B complains that PDL Finance Limited (trading as Mr Lender) irresponsibly gave him loans he couldn’t afford to pay back.backgroundMr Lender gave Mr B 6 loans between July 2016 and December 2017. A summary of Mr B’s lending is as follows:LoanDate TakenDate RepaidInstalmentsAmountHighest ... (4 pages)View decision -
Decision Reference DRN6292245
31 Oct 2019 MYJAR Limited UpheldBanking and creditMiss G complains that MYJAR Limited gave her loans that she couldn’t afford.backgroundMiss G took out three short term loans with MYJAR. Loans 1 and 2 were repayable by three monthly instalments. Loan 3 was repayable by 12 monthly instalments. Loan 3 hasn’t been repaid. Miss G’s loan histo... (6 pages)View decision -
Decision Reference DRN-4401690
16 Feb 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-4401690 The complaint Mr D complains TSB Bank plc said he went overdrawn on his current account but couldn’t explain how. He’s also unhappy at them asking him to repay the balance. And he’s unhappy they’ve subsequently closed his account while reporting negative information. What happe... (5 pages)View decision -
Decision Reference DRN-5696365
9 Oct 2025 Gain Credit LLC UpheldConsumer CreditDRN-5696365 The complaint Mr B complains that Gain Credit LLC trading as Lending Stream lent to him when he could not afford it. He says that he had gambling issues and lived in his overdraft for years. Better checks by Lending Stream would have shown this and it would not have lent to ... (5 pages)View decision -
Decision Reference DRN-5665769
13 Oct 2025 Evergreen Finance London Limited UpheldConsumer CreditDRN-5665769 The complaint Mr P complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk irresponsibly lent to him. What happened MoneyBoat lent Mr P three loans, from the information provided the lending history is as follows: Loan number Start date Loan amount (... (4 pages)View decision