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 DRN4959225
28 Sep 2017 Barclays Bank Plc Not upheldBanking and creditMr W complains that Barclays Bank PLC has irresponsibly given him a loan which was unaffordable.backgroundMr W applied for a Barclays loan in November 2016 for £11,100 with monthly repayments of £208.41. He says that loan was unaffordable and proper checks weren’t car... (2 pages)View decision -
Decision Reference DRN4160179
30 May 2019 Casheuronet UK LLC UpheldBanking and creditMr H says CashEuroNet UK LLC, trading as QuickQuid, lent to him irresponsibly.backgroundI sent both parties my provisional decision on 14 May 2019. A copy is attached and it forms part of this final decision. I asked Mr H and QuickQuid to let me know if they h... (6 pages)View decision -
Decision Reference DRN5823699
5 Oct 2015 Nationwide Building Society Not upheldBanking and creditMr M complains that Nationwide Building Society will not refund payments to an online gambling site he says he did not authorise.backgroundMr M set up an online gambling account used through an application on his smartphone. He made transactions using his Nationwide d... (2 pages)View decision -
Decision Reference DRN6307167
26 Sep 2019 Bamboo Limited Not upheldBanking and creditMr T complains that Bamboo Limited didn’t carry out enough checks before approving his loan application.backgroundIn 2018, Mr T applied to Bamboo for a loan. He applied online and the loan was approved. He had difficulty making some payments on time early on. But overall he managed to keep... (2 pages)View decision -
Decision Reference DRN1857768
30 Jul 2021 Clydesdale Bank Plc Not upheldBanking and creditMr and Mrs W complain that Clydesdale Bank Plc did not help recover the money (and winnings) paid to an online gambling company that turned out to be a scam. As Mrs W had all the dealings with Clydesdale Bank Plc, for ease of reading, I’ll refer to all submissions as having come from Mrs W... (3 pages)View decision -
Decision Reference DRN2475171
23 Jan 2015 Bank of Scotland Plc Not upheldBanking and creditMr L complains that Bank of Scotland plc (trading as Halifax) lent to him irresponsibly when it increased his overdraft. He’d like Halifax to reduce or write off his overdraft. Mr L has brought his complaint through a relative.backgroundMr L has a current account with Halifax. In the au... (2 pages)View decision -
Decision Reference DRN-3260377
23 Apr 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3260377 The complaint Miss H complains that Vanquis Bank Limited irresponsibly allowed her to open a credit card account which was unaffordable. What happened Miss H says she applied for the account in June 2021 and says Vanquis should not have approved her application. She says approp... (2 pages)View decision -
Decision Reference DRN-1755571
23 Jun 2020 Vanquis Bank Limited Not upheldBanking and PaymentsComplaint Mr G complains that Vanquis Bank Limited acted irresponsibly when it granted him a credit card account and subsequently increased the credit limit several times. Background Mr G applied for and was granted a credit card account with Vanquis in November 2012. He says Vanquis incre... (3 pages)View decision -
Decision Reference DRN6351539
30 Aug 2016 Gain Capital UK Limited UpheldInvestment and pensionsMr J complains about the way Gain Capital UK Limited administered his account. In particular, he complains that: Gain said that it would close all his positions on 10 December, but in fact closed them on 14 December causing him a loss; His second account shouldn’t ... (3 pages)View decision -
Decision Reference DRN-3600243
24 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3600243 The complaint Mr H complains that NewDay Ltd trading as Aqua gave him a credit card when it should have known he wouldn’t be able to repay what he borrowed. What happened Mr H applied for a credit card in December 2018. He told NewDay that he was employed and earning £27,000 a ... (3 pages)View decision