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
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Decision Reference DRN-4132802
7 Jun 2023 Lloyds Bank PLC Not upheldConsumer CreditDRN-4132802 The complaint Mr F complains that Lloyds Bank PLC declined his loan application. He believes he has been discriminated against because of his age. What happened Mr F applied for a loan with Lloyds, but the application was declined. He has several accounts with them already and ... (6 pages)View decision -
Decision Reference DRN-3372455
6 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3372455 The complaint Mrs S complains that NewDay Ltd irresponsibly allowed her to open two credit card accounts and later increased the credit limit on one of them to unaffordable levels. What happened Mrs S says she was in financial difficulties when she opened the first NewDay credi... (4 pages)View decision -
Decision Reference DRN-2656865
30 Mar 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2656865 The complaint Miss M complains that Vanquis Bank Limited increased her credit card limit when she couldn’t afford the borrowing. What happened Miss M took out the credit card in April 2014, via an on-line application. The account was opened with a £150 credit limit. In October ... (5 pages)View decision -
Decision Reference DRN-2705117
30 Apr 2021 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-2705117 The complaint Mr C complains that Lloyds Bank PLC has unfairly recorded a marker at CIFAS, the national fraud database. What happened Mr C had an account with Lloyds. In 2017 it decided to close his account and issued a final response about that dated 12 May 2017. Mr C now comp... (4 pages)View decision -
Decision Reference DRN0301809
28 Aug 2019 Cash On Go Limited UpheldBanking and creditMr B complains that Cash On Go Limited, trading as Peachy, lent to him irresponsibly.Mr B is represented by a third party. backgroundI attach my provisional decision dated 6 August 2019, which forms part of this final decision and should be read with it. In it I explained why I intended to... (5 pages)View decision -
Decision Reference DRN9292228
27 Mar 2020 Lloyds Bank PLC Not upheldBanking and creditComplaintMr A has complained that Lloyds Bank PLC won’t refund transactions, which he says he didn’t make.BackgroundMr A said his nephew stole his debit card details and opened an account with an online casino. He said his nephew spent £19,000 of his money on the casino. This sum was debit... (4 pages)View decision -
Decision Reference DRN-3860120
15 Dec 2022 Tesco Personal Finance PLC UpheldConsumer CreditDRN-3860120 The complaint Mr L says Tesco Personal Finance PLC, trading as Tesco Bank, irresponsibly lent to him. What happened Mr L took out two loans from Tesco Bank. They were both for £12,000 over 60 months. The first was taken out on 26 November 2016 for a car. The monthly payment was... (4 pages)View decision -
Decision Reference DRN-4366698
5 Jul 2024 IG Index Limited Not upheldInvestmentsDRN-4366698 The complaint Mr P complained about IG Index Limited. He said he had an addiction to forex and indices trading using IG’s spread betting service. He said IG didn’t check if he had a gambling addiction and for this reason, didn’t treat him fairly. Mr P said IG should have done m... (4 pages)View decision -
Decision Reference DRN-3275239
25 Jan 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3275239 The complaint Mr W complains that Barclays Bank UK PLC trading as Barclaycard gave him a credit card with a limit of £800 without carrying out adequate checks. What happened In April 2016, Barclaycard gave Mr W a credit card with a limit of £800. He considers that it didn’t car... (4 pages)View decision -
Decision Reference DRN-4271368
4 Dec 2023 Stagemount Limited UpheldConsumer CreditDRN-4271368 The complaint Mr B complains that Stagemount Limited trading as Quid Market irresponsibly lent to him. What happened Quid Market lent Mr B two short term instalment loans. The first loan was for £300 lent in June 2022, on this loan, Mr B was due to make six monthly instalment p... (3 pages)View decision
