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-2809126
25 May 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2809126 The complaint Mr C complains that Barclays Bank UK PLC trading as Barclaycard irresponsibly allowed him to open a credit card account. What happened Mr C says Barclaycard should not have allowed him to open a credit card account and its decision to do so was irresponsible. He s... (2 pages)View decision -
Decision Reference DRN-4610139
14 Feb 2024 Lloyds Bank PLC Not upheldConsumer CreditDRN-4610139 Complaint Mr M has complained about a personal loan Lloyds Bank PLC (“Lloyds”) provided to him. He says that the loan was unaffordable. Background Mr M also complained about credit cards which Lloyds provided to him. But we’ve already provided him with an answer on that separat... (3 pages)View decision -
Decision Reference DRN-3043346
29 Nov 2021 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3043346 The complaint Mr I complains that Lloyds Bank PLC failed to refund a transaction that he didn’t recognise. What happened Mr I had a dormant account with Lloyds that he’d recently asked to be re-opened. Once this was done, Mr I received a new debit card. Mr I’s salary was paid i... (3 pages)View decision -
Decision Reference DRN9849725
26 Jul 2017 IG Markets Limited Not upheldInvestment and pensionsMr B has complained that IG Markets Limited failed to stop his spread betting getting out of control. He says they only helped him when he told them he had run up large debts and it was too late. He feels he would not have got into this situation if IG’s systems ... (2 pages)View decision -
Decision Reference DRN-3364744
31 Mar 2022 Halifax Share Dealing Limited UpheldInvestmentsDRN-3364744 The complaint Mr H is unhappy Halifax Share Dealing Limited (“HSDL”) failed to safeguard him from a gambling addiction after it lifted the restrictions from his ISA account. What happened Mr H had a share dealing ISA with HSDL. He contacted HSDL in June 2020 and told it he had ... (6 pages)View decision -
Decision Reference DRN9840389
6 Jun 2018 Casheuronet UK LLC UpheldBanking and creditMiss L complains that CashEuroNet UK LLC, trading as QuickQuid, (“QQ”), gave her loansthat she couldn’t afford to repay.backgroundMiss L was given 16 loans by QQ between April 2012 and December 2016. The loans haveall been fully repaid, although five of the loans appe... (8 pages)View decision -
Decision Reference DRN-3309268
11 Feb 2022 Bamboo Limited UpheldConsumer CreditDRN-3309268 The complaint Mr H has complained that Bamboo Limited (“Bamboo”) provided him with three unaffordable loans. What happened Bamboo provided Mr H with three loans. The details are provided below: Loan Date Capital Amount Term in months Monthly repayment 1 05/10/2015 £1000.00 12 £... (4 pages)View decision -
Decision Reference DRN-5976567
27 Feb 2026 Zopa Bank Limited Not upheldConsumer CreditDRN-5976567 Complaint Mr B complains that Zopa Bank Limited (“Zopa”) unfairly entered into a hire-purchase agreement with him. He’s said that the payments to this agreement were unaffordable and so he should not have been lent to. Background In November 2023, Zopa provided Mr B with fi... (3 pages)View decision -
Decision Reference DRN-5635776
24 Jun 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5635776 The complaint Mr S complains that Clydesdale Bank Plc trading as Virgin Money irresponsibly lent him money on a credit card. What happened In June 2021 Mr S took out a credit card with Virgin Money, with a credit limit of £4,000. The account fell into arrears and in 2022 Vir... (4 pages)View decision -
Decision Reference DRN4184146
27 Feb 2019 Bank of Scotland Plc Not upheldBanking and creditMr C complains that about the lending that Bank of Scotland plc (“BoS”) made to him. This complaint deals with his overdraft.backgroundMr C said that he was given bad advice by BoS about consolidating his debts, then allowed to borrow again. He has complained to our ... (4 pages)View decision