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 72 results
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Decision Reference DRN-4542593
21 Feb 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4542593 The complaint Miss K complains that Monzo Bank Ltd (Monzo) lent to her irresponsibly on two Flex accounts. What happened Miss K had an overdraft of £750 and a loan of £300 from Monzo. She complained that both were given to her irresponsibly and bought those complaints to this s... (3 pages)View decision -
Decision Reference DRN-4503267
8 Dec 2023 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4503267 The complaint Mr V complains that Monzo Bank Ltd irresponsibly lent to him. What happened Mr V says that Monzo should have never approved an account for him with such a large overdraft (£500). He says that when he applied for the account, if they would have checked his credit f... (4 pages)View decision -
Decision Reference DRN-2281198
3 Nov 2020 Monzo Bank Ltd Not upheldConsumer CreditDRN-2281198 The complaint Miss P complains about Monzo Bank Ltd and their decision to approve a loan she feels was unaffordable at the time. What happened In early August 2019, Miss P applied for a loan with Monzo. This application was approved, and Miss P was given a loan of £2,000. But M... (3 pages)View decision -
Decision Reference DRN-5511782
12 May 2025 Bank of Ireland (UK) Plc UpheldConsumer CreditDRN-5511782 The complaint Mrs F complains that Bank of Ireland (UK) Plc (BOI) was irresponsible in its lending to her. What happened Mrs F was provided with a £22,000 loan by BOI in July 2022. The loan term was 72 months and Mrs F was required to make monthly repayments of around £484. ... (3 pages)View decision -
Decision Reference DRN-4742032
30 Apr 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4742032 The complaint Mr P complains that Monzo Bank Ltd irresponsibly gave him an overdraft he couldn’t afford to repay. What happened Mr P held a current account with Monzo and in February 2022 he applied to have an overdraft facility on the account. Monzo approved an overdraft of £1... (4 pages)View decision -
Decision Reference DRN-4514485
14 Dec 2023 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4514485 The complaint Miss S complains that Monzo Bank Ltd irresponsibly gave her an overdraft she couldn’t afford to repay. What happened In March 2021, Miss S applied for a current account with Monzo and requested an overdraft facility on the account of £300. Monzo accepted her appli... (3 pages)View decision -
Decision Reference DRN-5219776
18 Dec 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-5219776 The complaint Miss C has complained that Monzo Bank Ltd are holding her liable for money she lost after falling victim to a scam. What happened Miss C received a text about a parcel delivery. As she was waiting for a parcel, she clicked the link and entered her details. Foll... (4 pages)View decision -
Decision Reference DRN-4909127
22 Aug 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4909127 The complaint Miss D has complained that Monzo Bank Ltd (‘Monzo’) acted irresponsibly when it provided her with an overdraft and then went on to increase the overdraft limits. She says the overdraft was unaffordable and has asked for all interest and charges incurred on the... (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-5394173
13 Mar 2025 Monzo Bank Ltd UpheldBanking and PaymentsDRN-5394173 The complaint Ms R complains that Monzo Bank Ltd is unfairly holding her liable for the debt on a loan and money she lost as a result of a scam. What happened The background to this complaint is well known to both parties, so I won’t repeat everything here. In brief summary... (5 pages)View decision
