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 4619 results
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Decision Reference DRN-4000778
9 May 2023 FirstRand Bank Limited Not upheldConsumer CreditDRN-4000778 The complaint Miss B complains that FirstRand Bank Limited trading as Motonovo Finance irresponsibly granted her a hire purchase agreement she couldn’t afford to repay. What happened In August 2018, Miss B acquired a used car financed by a Hire Purchase agreement from MotoNovo ... (2 pages)View decision -
Decision Reference DRN-2873482
7 Jul 2021 NewDay Ltd UpheldBanking and PaymentsPage 1 of 8The complaint Mr O complains that NewDay Ltd, trading as Aqua and Marbles (NewDay) irresponsibly provided him with two credit cards and limit increases on those cards, which increased his debt. What happened In August 2015, Mr O applied for an Aqua branded credit card with NewDa... (8 pages)View decision -
Decision Reference DRN1403859
18 Feb 2020 Commsave Credit Union Limited UpheldBanking and creditMr F’s complaint against Commsave Credit Union Limited (Commsave) is that it continued to irresponsibly lend to him after he told it about his gambling addiction. backgroundMr M had a loan with Commsave. On 17 February 2015, he notified it that he had a gambling addiction; was in financial... (2 pages)View decision -
Decision Reference DRN-2915697
10 Aug 2021 Valour Finance Limited Not upheldConsumer CreditDRN-2915697 The complaint Mr G complains that Valour Finance Limited trading as Savvy.co.uk (Savvy) was irresponsible in its lending to him. What happened Mr G was provided with a loan for £600 by Savvy in November 2020. It was repayable over 12 monthly instalments of £100. Mr G says that ... (3 pages)View decision -
Decision Reference DRN-4299215
15 Aug 2023 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4299215 The complaint Mr S complains that Monzo Bank Ltd (“Monzo”) won’t refund transactions on his current account that he didn’t make or otherwise authorise. What happened At the start of January 2023, Mr S contacted Monzo and disputed all the transactions to a gambling site which we... (3 pages)View decision -
Decision Reference DRN-2271669
25 Nov 2020 Loans 2 Go Limited UpheldConsumer CreditDRN-2271669 The complaint Mr K complains that Loans 2 Go Limited lent to him in an irresponsible manner. What happened Mr K was given a single loan by Loans 2 Go. He borrowed £2,000 in September 2014 and agreed to repay the loan in weekly instalments over the following 18 months. The loan ... (3 pages)View decision -
Decision Reference DRN-4351359
2 Oct 2023 Santander UK Plc Not upheldBanking and PaymentsDRN-4351359 The complaint Miss S has complained that Santander UK Plc acted irresponsibly when it provided her with a credit card in September 2022. What happened Miss S applied for a credit card with Santander in September 2022. At that time, she said she had a history of compulsive spend... (3 pages)View decision -
Decision Reference DRN-5013861
26 Sep 2024 ONMO Limited Not upheldBanking and PaymentsDRN-5013861 The complaint Mr H complains that ONMO Limited shouldn‘t have accepted his application for a credit card account. What happened Mr H applied for a credit card account with ONMO in May 2023. His application was accepted and he was given a credit card with a £1,500 credit limi... (3 pages)View decision -
Decision Reference DRN9505197
7 Jan 2019 CMC Spreadbet Plc Not upheldInvestment and pensionsMr V has complained that CMC Spreadbet Plc have acted irresponsibly by allowing him to open an account and continue to trade.backgroundMr V submitted his application to open an account on 10 January 2016 and starting placing spread bets in February 2016. He has said... (3 pages)View decision -
Decision Reference DRN-5185192
6 Dec 2024 Loans 2 Go Limited UpheldConsumer CreditDRN-5185192 The complaint Mr E complains that Loans 2 Go Limited lent irresponsibly when it approved a loan application he made. What happened The background to this complaint and my initial conclusions were set out in a provisional decision. I said: Mr E applied for a loan of £1,000 w... (5 pages)View decision
