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 21242 results
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Decision Reference DRN0112376
16 Jan 2019 Active Securities Limited UpheldBanking and creditMiss B has complained about short-term loans granted to her by Active Securities Limited trading as 247 Moneybox.com (“Moneybox” or “the lender”).backgroundI attach my provisional decision of 29 November 2018, which forms part of this final decision and should be read... (20 pages)View decision -
Decision Reference DRN1729700
10 Oct 2013 Cheltenham & Gloucester plc Not upheldBanking and creditMrs and Mr A complain that Cheltenham and Gloucester Plc put incorrect income figures on their mortgage application forms, which meant they borrowed more than they could afford. They want some of the debt to be written off and other repayments to be adjusted. backgroundIn 2005 Mrs a... (2 pages)View decision -
Decision Reference DRN-5859175
29 Jan 2026 Monzo Bank Ltd Not upheldConsumer CreditDRN-5859175 The complaint Monzo Bank Ltd (‘Monzo’) provided Mr N with a personal loan in February 2020. The loan was for £7,500 and was to be repaid by way of 24 monthly repayments of £324.63. Mr N says the loan was provided irresponsibly. What happened The details of this complaint ar... (2 pages)View decision -
Decision Reference DRN-5632944
26 Jun 2025 Monzo Bank Ltd Not upheldConsumer CreditDRN-5632944 The complaint Miss T complains that Monzo Bank Ltd lent irresponsibly when it approved her loan application. What happened Miss T applied for a £2,000 loan with Monzo on 14 December 2023. In her application, Miss T said she was employed with an annual income of £22,455 that... (3 pages)View decision -
Decision Reference DRN-2733014
5 May 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2733014 The complaint Mr E complained that Loans 2 Go Limited lent to him irresponsibly. What happened Mr E was given loans by Loans 2 Go as follows: Loan Date Taken Date Repaid Instalments Amount Repayment 1 15/12/2018 17/01/2019 18 £250.00 £56.64 2 01/03/2019 02/04/2019 18 £250.00 £5... (4 pages)View decision -
Decision Reference DRN-3206494
24 Jan 2022 TFS Loans Limited UpheldConsumer CreditDRN-3206494 The complaint Mr D, through his representative, says TFS Loans Limited lent to him irresponsibly. What happened Mr D took out a 60-month loan for £3,000 from TFS in August 2013. The monthly repayment was £149.96 and the total repayable was £8,997.60. Mr D says TFS didn’t carry ... (3 pages)View decision -
Decision Reference DRN-2726665
8 Apr 2021 Greenlight Credit Ltd UpheldConsumer CreditDRN-2726665 The complaint Mr H says Greenlight Credit Limited (trading as Varooma) lent to him irresponsibly. What happened Mr H borrowed £2,800 from Varooma on 12 January 2019. The loan had a 36-month term, the monthly repayments were £241.11 and the total repayable was £8697.96. Mr H mad... (5 pages)View decision -
Decision Reference DRN-3759999
2 Nov 2022 Blue Motor Finance Ltd Not upheldConsumer CreditDRN-3759999 The complaint Mr C complains that Blue Motor Finance Ltd irresponsibly granted him a hire purchase agreement he couldn’t afford to repay. What happened In January 2016, Mr C acquired a used car financed by a hire purchase agreement from Blue Motor Finance. Mr C was required to ... (2 pages)View decision -
Decision Reference DRN-3691180
20 Sep 2022 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-3691180 The complaint Mr P complains that Moneybarn No. 1 Limited irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In June 2020, Mr P acquired a used car financed by a conditional sale agreement from Moneybarn. Mr P was required to make ... (2 pages)View decision -
Decision Reference DRN-3618927
23 Aug 2022 Next Retail Limited Not upheldConsumer CreditDRN-3618927 The complaint Ms M complains that Next Retail Limited (“Next”) irresponsibly gave her a shopping credit account facility that she couldn’t afford. What happened Ms M has complained about unaffordable lending on a shopping credit account she took out with Next in February 2021. ... (2 pages)View decision