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 4727 results
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Decision Reference DRN-1374090
10 May 2020 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-1374090 The complaintMr and Mrs B complain that HSBC UK Bank Plc failed to stop or question payments to gambling companies. What happenedMr B says he works abroad and discovered Mrs B had spent about £400,000 on gambling transactions. He says HSBC failed to tell him about the spending ... (2 pages)View decision -
Decision Reference DRN-2777777
15 May 2021 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-2777777 The complaint Miss M complains that Capital One (Europe) plc irresponsibly allowed her to open a credit card account. What happened Miss M she opened the Capital One account in March 2019 and at the time had a number of loans. She says she had a gambling problem and if Capital ... (2 pages)View decision -
Decision Reference DRN6427263
27 Nov 2013 Lloyds Bank PLC Not upheldBanking and creditMrs K is unhappy about disputed transactions on her credit card. Lloyds Bank PLC (previously Lloyds TSB Bank PLC) refunded some but not all of the disputed cash withdrawals.background Mrs K disputed three gambling transactions totalling £500 and cash machine withdrawals totalling £1,840 ... (2 pages)View decision -
Decision Reference DRN-3430312
3 May 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3430312 Complaint Mr B has complained about an overdraft which was provided to him by Bank of Scotland plc (trading as “Halifax”) on his current account. He’s said that he had a gambling problem which would have been apparent to Halifax had it carried out proportionate checks. And in t... (18 pages)View decision -
Decision Reference DRN-3185557
23 May 2022 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3185557 The complaint Mr S complains that Bank of Scotland plc (trading as Halifax) won’t refund the money he says he’s lost to a fraudulent company. What’s happened? Mr S made several debit card payments to an online casino, which I’ll refer to as ‘B’. He also received winnings from s... (3 pages)View decision -
Decision Reference DRN-5142300
21 Nov 2024 Bank of Scotland Plc UpheldConsumer CreditDRN-5142300 The complaint Mr E has complained, via complaints management company (CMC), that Bank of Scotland plc trading as Halifax acted irresponsibly when it approved him for a £8,200 finance agreement in September 2018. Background Mr E applied for a motor finance agreement with Hali... (3 pages)View decision -
Decision Reference DRN6385369
16 Feb 2018 Gain Credit LLC UpheldBanking and creditMr S complains Gain Credit LLC (trading as Lending Stream) lent to him irresponsibly.backgroundMr S took 39 loans with Lending Stream between September 2015 and June 2017, borrowing £11,230 in total. Mr S repaid all of these loans successfully, but at the end of June... (5 pages)View decision -
Decision Reference DRN-2461271
23 Jul 2021 Advancis Limited UpheldConsumer CreditDRN-2461271 The complaint Miss F complains about two loans from Advancis Limited, trading as Buddy Loans, (“BL”), which she says were unaffordable. What happened Miss F was given two loans by BL from August 2016 to March 2017. Loan 1 was repaid from the proceeds of Loan 2. From the most re... (6 pages)View decision -
Decision Reference DRN1009292
12 Nov 2020 Greenlight Credit Ltd UpheldBanking and creditComplaint Mr P complains about three logbook loans Greenlight Credit Ltd lent to him between March 2017 and March 2020. The details of this complaint are well known to both parties, so I will not repeat them all again here. The adjudicator that looked at the complaint concluded that Greenl... (2 pages)View decision -
Decision Reference DRN-2956794
20 Sep 2021 Oplo PL Ltd UpheldConsumer CreditDRN-2956794 The complaint Mr T has complained that Oplo PL Ltd (trading as “1st Stop”) lent to him irresponsibly. What happened 1st Stop provided Mr T with a personal loan of £5,000.00 in July 2016. This loan had a 40- month term with a monthly repayment amount of £180.07. This all meant ... (5 pages)View decision
