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 5125 results
-
Decision Reference DRN-3162148
2 Mar 2022 Nationwide Building Society Not upheldBanking and PaymentsDRN-3162148 The complaint Mr D complains that Nationwide Building Society (Nationwide) unfairly declined to refund £280 of transactions on his account he says he didn’t authorise. What happened On 2 August 2020, Mr D lost his debit card. He still couldn’t find it the next day, so he cancel... (2 pages)View decision -
Decision Reference DRN-3792359
7 Nov 2022 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-3792359 The complaint Mr L, who is represented by a third party, complains that Moneybarn No. 1 Limited (“Moneybarn”) irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In January 2018, Mr L acquired a used car financed by a conditional sa... (2 pages)View decision -
Decision Reference DRN-2963083
14 Jul 2022 Spreadex Limited Not upheldInvestmentsDRN-2963083 The complaint Mr P, through his representative Mr P1, complains that Spreadex Limited: Didn’t follow the correct procedure when onboarding Mr P. Failed to meet their service obligations and regulatory requirements. Failed to act with due skill and care. What happened Mr P op... (4 pages)View decision -
Decision Reference DRN-5274022
13 Feb 2025 National Westminster Bank Plc UpheldConsumer CreditDRN-5274022 The complaint This complaint is brought on behalf of the estate of Mr B. Mrs B is acting as the deceased’s representative for the purposes of this complaint. She complains that National Westminster Bank Plc (‘NatWest’) irresponsibly agreed to lend to Mr B by way of two perso... (4 pages)View decision -
Decision Reference DRN-2253109
6 Nov 2020 Loans 2 Go Limited UpheldConsumer CreditDRN-2253109 The complaint Mr M has complained that Loans 2 Go Limited lent to him irresponsibly and that it has treated him unfairly in other ways. What happened Mr M was given a loan by Loans2Go in September 2018 for £500. The loan was due to be repaid in weekly instalments, which meant h... (4 pages)View decision -
Decision Reference DRN-3747278
27 Oct 2022 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-3747278 The complaint Mr P complains that Capital One (Europe) plc (‘Capital One’) irresponsibly gave him a credit card limit increase and a new credit card account that he couldn’t afford. What happened On 17 July 2015, Mr P opened a credit card account with Capital One with a credit ... (4 pages)View decision -
Decision Reference DRN8776210
6 Sep 2017 Active Securities Limited UpheldBanking and creditMr G complains that Active Securities Limited trading as 247 Moneybox lent him money that he couldn’t afford to repay.backgroundMr G took out 13 loans with 247 Moneybox between June 2015 and May 2016. He doesn’t think it carried out enough checks before agreeing to le... (3 pages)View decision -
Decision Reference DRN6574591
18 Dec 2019 PayPal Europe Sarl & Cie, SCA Not upheldBanking and creditMrs R is unhappy that PayPal Europe Sarl & Cie, SCA (“PayPal”) won’t refund a series of transactions made using her account.background Mrs R has an account with PayPal. In August and September 2017, a series of gambling payments were made from her account that weren’t authorised by her... (2 pages)View decision -
Decision Reference DRN-4892683
18 Jul 2024 Tesco Personal Finance PLC UpheldConsumer CreditDRN-4892683 The complaint Mr B has complained that Tesco Personal Finance PLC trading as Tesco Bank (“Tesco”) gave him a loan without carrying out any checks into his income and expenditure. What happened Tesco gave Mr B a 60-month loan of £25,000 in September 2023. The monthly repayme... (4 pages)View decision -
Decision Reference DRN-4923109
6 Sep 2024 AutoMoney Limited Not upheldConsumer CreditDRN-4923109 The complaint Mr B complains that AutoMoney Limited trading as AutoMoney Motor Finance (AutoMoney) irresponsibly granted him two hire purchase agreements that he couldn’t afford to repay. What happened In June 2020 Mr B acquired a vehicle financed by a hire purchase agreeme... (5 pages)View decision
