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 118878 results
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Decision Reference DRN-3344400
7 Mar 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3344400 The complaint Mr K says Madison CF UK Limited, trading as 118 118 Money, lent to him irresponsibly. What happened Mr K took out two instalment loans from 118 118 Money. A summary of his borrowing follows. Both loans have been settled, loan 1 by loan 2. Mr K says the loans were ... (3 pages)View decision -
Decision Reference DRN-3088419
7 Mar 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3088419 The complaint Mr M complains that Bank of Scotland plc trading as Halifax (Halifax) provided lending to him through a credit card which was unaffordable and irresponsible. What happened Mr M took out a Halifax credit card in 2015 with a limit of £1500. Halifax increased this l... (3 pages)View decision -
Decision Reference DRN-3161099
7 Mar 2022 Morses Club PLC UpheldConsumer CreditDRN-3161099 The complaint Ms G, through her representative, complains that Morses Club PLC lent to her irresponsibly. What happened Using information received from Morses, here is a brief loan table. Loan Start Date End Date Capital Amount Interest amount Term Repayment amount Weeks Live 1... (5 pages)View decision -
Decision Reference DRN-3324166
7 Mar 2022 National Westminster Bank Plc UpheldBanking and PaymentsDRN-3324166 The complaint Mr S is unhappy that National Westminster Bank Plc (“NatWest”) approved an overdraft facility for him when he switched accounts. He says the overdraft wasn’t affordable for him. What happened Mr S opened an account with NatWest and successfully applied for an ove... (3 pages)View decision -
Decision Reference DRN-3266753
7 Mar 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3266753 The complaint Mr S is unhappy that HSBC UK Bank Plc won’t refund the money he’s lost to a fraudster. What’s happened? Mr S was made redundant in 2019 and says he wanted to invest some of his redundancy settlement. He found a company online, which I’ll refer to as ‘E’ throughout... (5 pages)View decision -
Decision Reference DRN-2970533
7 Mar 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-2970533 The complaint Mr B complains Bank of Scotland plc (trading as “Halifax”) allowed him to spend over £10,000 on gambling transactions when he had a gambling freeze applied to his account. What happened Mr B has a number of accounts with Halifax including a basic account. Mr B app... (3 pages)View decision -
Decision Reference DRN-3353913
7 Mar 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3353913 The complaint Mr A complains that Barclays Bank UK PLC trading as Barclaycard failed to apply a payment holiday to one of his credit cards. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: Mr A had three ... (3 pages)View decision -
Decision Reference DRN-3205360
7 Mar 2022 S.D. Taylor Limited UpheldConsumer CreditDRN-3205360 The complaint Miss D says S.D. Taylor Limited trading as Loans at Home (LaH), irresponsibly lent to her. She says that she struggled to repay the lending and she was frequently offered new loans before the ones she was repaying had ended. She said she had to keep borrowing to r... (4 pages)View decision -
Decision Reference DRN-3131302
7 Mar 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3131302 The complaint Mr G complains about Madison CF UK Limited trading as 118 188 Money (MCU) and their decision to provide him with a high interest loan, which he says was unaffordable. What happened In December 2016, Mr G applied for a loan with MCU. This application was approved, ... (4 pages)View decision -
Decision Reference DRN-3352415
7 Mar 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3352415 The complaint Mr M complains Lloyds Bank PLC won’t reimburse money he lost when he fell victim to a scam. What happened Mr M opened a trading account with ‘Wisebanc’ after seeing an advert online. He was attracted to the guaranteed returns offered of £1,000 a day. He was persua... (4 pages)View decision
