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 DRN8139532
10 Apr 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr R complains that Express Finance (Bromley) Limited (trading as Payday Express) gave him payday loans irresponsibly.backgroundMr R had nine loans from Payday Express between March 2011 and December 2012. He said he was also borrowing from other payday lenders. He sa... (2 pages)View decision -
Decision Reference DRN1612912
3 Feb 2016 DJS (UK) Limited Not upheldBanking and creditMr H complains that DJS (UK) Limited (trading as Piggybank) was irresponsible to lend him money so it should refund interest and charges.backgroundIn 2015 Mr H took out a series of short term loans over a few months with Piggybank. He says Piggybank didn’t look at hi... (2 pages)View decision -
Decision Reference DRN-5740552
11 Sep 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5740552 The complaint Mr B has complained Monzo Bank Ltd won’t refund him for transactions that he didn’t authorise. What happened In June 2025 Mr B complained to Monzo that there were 18 transactions made from his account that he’d not authorised. These had been made through anothe... (3 pages)View decision -
Decision Reference DRN0656844
6 Feb 2019 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr D complains that CURO TRANSATLANTIC LIMITED (trading as WageDayAdvance) was irresponsible to continue to lend to him. He further complains that WageDayAdvance addressed him incorrectly in its correspondence.backgroundMr D had six loans from WageDayAdvance between Decem... (3 pages)View decision -
Decision Reference DRN5095321
28 May 2015 Cane Cohen Ltd Not upheldInvestment and pensionssummary of complaintMr and Mrs K’s daughter, Miss K, is making this complaint on their behalf. The complaint is that Cane Cohen Ltd gave them unsuitable investment advice to invest in a discretionary managed portfolio.background to complaintAn adjudicator considered the... (2 pages)View decision -
Decision Reference DRN-3516526
8 Jun 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3516526 The complaint Mr J has complained through a representative that Madison CF UK Limited trading as 118 118 Money (118 118) mis-sold him loans he couldn’t afford to repay. Mr J says that he was taking out new loans in order to cover repayments to other loans that he had. What happ... (6 pages)View decision -
Decision Reference DRN2921360
6 Jul 2017 Instant Cash Loans Limited UpheldBanking and creditMr H complaints about loans he took out with Instant Cash Loans Limited (trading as Payday UK) which he says he shouldn’t have been given because the loans weren’t affordable. backgroundMr H’s borrowing history is as follows; loan numberloan amount received date actual... (3 pages)View decision -
Decision Reference DRN6940347
15 May 2017 WDFC UK Limited UpheldBanking and creditMr P complains that WDFC UK Limited (trading as wonga.com) gave him unaffordable payday loans. He wants a refund of the interest and charges he paid, with interest, and for his credit file to be amended.backgroundMr P had 15 loans from Wonga between October 2014 and Au... (2 pages)View decision -
Decision Reference DRN-1197666
29 May 2020 Santander UK Plc Not upheldBanking and PaymentsDRN-1197666 The complaintA, a limited company, has complained Santander UK plc didn't cancel one of their company cards when requested. What happenedMr H, a director of A, contacted Santander in March 2019 to query the latest transactions on a company debit card. This card had been gi... (3 pages)View decision -
Decision Reference DRN-1670932
17 Apr 2020 Chetwood Financial Limited Not upheldConsumer CreditDRN-1670932The complaintMrs B complains that Chetwood Financial Limited (“CFL”) lent to her irresponsibly.What happenedAt the beginning of April 2018 Mrs B applied for a loan with CFL through a third party agency. The loan was for £3,000 over a period of 12 months and the monthly repayment... (2 pages)View decision