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 5830 results
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Decision Reference DRN-2707662
23 Mar 2021 Greenlight Credit Ltd UpheldConsumer CreditDRN-2707662 The complaint Mr B complains that Greenlight Credit Limited, trading as Varooma, (“Varooma”), lent to him in an irresponsible manner. What happened Mr B was given nine loans by Varooma from September 2014 to May 2018. Mr B has successfully repaid the loans. The date of repaymen... (8 pages)View decision -
Decision Reference DRN7111817
20 Mar 2019 Greenlight Credit Ltd UpheldBanking and creditMr S complains that Greenlight Credit Ltd lent to him irresponsibly because it should have been aware through the checks it completed that he had a gambling problem. backgroundMr S applied for a log book loan with Greenlight in September 2017. He borrowed £4,000 and ... (5 pages)View decision -
Decision Reference DRN-4879048
8 Aug 2024 Nationwide Building Society UpheldBanking and PaymentsDRN-4879048 The complaint Miss J and Miss H have complained that Nationwide Building Society (“Nationwide”) irresponsibly granted them an overdraft in July 2019 and then went on to increase the overdraft limits. What happened In July 2019 Miss J and Miss H was granted an overdraft of £... (3 pages)View decision -
Decision Reference DRN-5494745
23 May 2025 Madison CF UK Limited Not upheldConsumer CreditDRN-5494745 The complaint Miss R has complained that Madison CF UK Limited trading as 118 118 Money, acted irresponsibly when it provided her with a £2,000 personal loan in September 2024. Background Miss R applied for a £2,000 personal loan from 118 118 Money in September 2024. The loa... (3 pages)View decision -
Decision Reference DRN0560862
26 Feb 2019 Capital One (Europe) plc Not upheldBanking and creditMr T complains that Capital One (Europe) plc irresponsibly lent to him by increasing the credit limit on his credit card with them when he was already over his limit. He doesn’t think they should’ve done this. He also complains about charges applied to his account... (3 pages)View decision -
Decision Reference DRN3263958
22 Jan 2020 The Royal Bank of Scotland Plc Not upheldBanking and creditMr M complains The Royal Bank of Scotland Plc gave him a large overdraft facility in October 2017 even though he’d previously exceeded his overdraft limit on a number of occasions.backgroundMr M says he’d exceeded his overdraft limits in June, July, August and September 2017 and it should’... (2 pages)View decision -
Decision Reference DRN-2312241
19 Jan 2021 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-2312241 The complaint Mr and Mrs G have complained that Bank of Scotland PLC trading as Halifax (“Halifax”) declined Mr G’s deposits to an online gambling site - which stopped him placing a winning bet. What happened Mr G enjoys playing roulette online. He funds this by making payment... (3 pages)View decision -
Decision Reference DRN-4806212
30 May 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-4806212 The complaint Mr P complains that the letter Santander UK Plc sent him about activity on his account caused him distress and he wants compensation for this. What happened In March 2024, Mr P was sent a letter by Santander in about recent gambling activity on his account. He say... (2 pages)View decision -
Decision Reference DRN1162503
9 Oct 2017 WDFC UK Limited UpheldBanking and creditMr J complains that WDFC UK Limited (trading as Wonga.com) lent him money when he couldn’t afford to repay it.backgroundMr J had 29 loans from Wonga as follows:Loan Date AmountDate Repaid Notes 118 Jun 2013£15701 Jul 2013219 Jul 2013£6501 Aug 2013310 Aug 2013£19430 Aug ... (3 pages)View decision -
Decision Reference DRN-6206684
7 Apr 2026 Valour Finance Limited Not upheldConsumer CreditDRN-6206684 The complaint Mr T complains that Valour Finance Limited trading as Savvy.co.uk (“Savvy”) lent to him irresponsibly and that better checks would have led it to recognise he was gambling and therefore ought not to have lent to him. What happened Here is a table giving brief d... (2 pages)View decision