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-2691186
9 Dec 2021 Lend Fair Ltd UpheldConsumer CreditDRN-2691186 The complaint Miss A complains Lend Fair Ltd irresponsibly lent to her. She says the loans were unaffordable to her and Lend Fair would’ve seen this had it completed proportionate checks. What happened Miss A was approved for the below loans by Lend Fair: Loan Date Capital Amou... (5 pages)View decision -
Decision Reference DRN1980299
16 Aug 2019 Oakam Ltd Not upheldBanking and creditMr A says Oakam Ltd irresponsibly lent to him.backgroundThis complaint is about an instalment loan, for £400, which Oakam provided to Mr A on 1 November 2017. Our adjudicator didn’t uphold Mr A’s complaint as he didn’t think Mr A had been treated unfairly. Mr A disagreed and asked for an o... (2 pages)View decision -
Decision Reference DRN3414495
13 Jan 2020 Barclays Bank UK PLC Not upheldBanking and creditMr P complains that Barclays Bank UK PLC (trading as ‘Barclaycard’) acted irresponsibly when it increased his credit limit.backgroundI sent my provisional decision to both parties on 24 December 2019. A copy of this is attached and forms part of this final decision. In it I set out the bac... (4 pages)View decision -
Decision Reference DRN-4667961
7 Mar 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4667961 The complaint Miss T complains that Monzo Bank Ltd (“Monzo”) won’t refund transactions made from her account, which she says she didn’t authorise, as well as increases made to her overdraft. What happened Miss T opened an account with Monzo on 12 August 2022. A number of paymen... (4 pages)View decision -
Decision Reference DRN-4352412
15 Sep 2023 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4352412 The complaint Mr N has complained that Bank of Scotland plc trading as Halifax (“Halifax”) provided him with an overdraft irresponsibly and allowed him to go over his overdraft limit when he was in financial difficulty. What happened Mr N had a £500 overdraft facility with Hali... (3 pages)View decision -
Decision Reference DRN-2879741
23 Jun 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2879741 The complaint Mrs K complains that NewDay Ltd trading as Aqua irresponsibly allowed her to open a credit card account and later increased her credit limit which were both unaffordable. What happened Mrs K says she was in financial difficulties when the credit card account was o... (2 pages)View decision -
Decision Reference DRN-3551866
5 Aug 2022 Admiral Financial Services Ltd Not upheldConsumer CreditDRN-3551866 The complaint Mr S complains Admiral Financial Services Ltd irresponsibly lent to him. Mr S is represented by a third party; but for ease I’ll refer to all submissions as if they were made by him directly. What happened Admiral approved Mr S for a £10,000 loan in March 2021. Th... (3 pages)View decision -
Decision Reference DRN5665713
14 Aug 2017 Casheuronet UK LLC Not upheldBanking and creditMiss F has complained about several loans granted to her by CashEuroNet UK LLC trading as Quick Quid (“Quick Quid”). She’s said Quick Quid encouraged her to borrow more than she could afford, which resulted in her needing to borrow regularly to repay previous loan... (5 pages)View decision -
Decision Reference DRN8567597
5 Feb 2020 Nationwide Building Society Not upheldBanking and creditMr N has complained Nationwide Building Society won’t refund account transactions that he didn’t make in September and October 2017.backgroundMr N opened an account with Nationwide in May 2017 (he’d previously had accounts with Nationwide that had been closed). He got a debit card for his ... (5 pages)View decision -
Decision Reference DRN-3664571
3 Nov 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3664571 The complaint Mr M complains that Santander UK Plc won’t refund disputed payments made from his current account. What happened Mr M says that between January and September 2020 fraudulent transactions totalling over £6,000 were made from his current account to online gambling c... (3 pages)View decision
