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 5478 results
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Decision Reference DRN3751992
7 Dec 2015 Gain Capital UK Limited Not upheldInvestment and pensionsMr M complains that GAIN Capital UK Limited (“Gain Capital”) shouldn’t have allowed him to reactivate his spread betting account because of his gambling problem. And in allowing him to do so, Gain Capital has caused him to suffer ‘unaffordable’ losses. He also compl... (2 pages)View decision -
Decision Reference DRN8575468
7 Dec 2015 Spreadex Limited Not upheldInvestment and pensionsMr M complains that Spreadex Limited (“Spreadex”) shouldn’t have allowed him to open a ‘new’ spread betting account because of his gambling problem. And in allowing him to open a new account, Spreadex has caused him to suffer ‘unaffordable’ losses.backgroundMr M says ... (2 pages)View decision -
Decision Reference DRN7389113
3 Sep 2019 Nationwide Building Society Not upheldBanking and creditComplaintMr M disputes a number of transactions on his Nationwide Building Society account, which he says he neither made nor authorised. BackgroundAt the end of February 2018 there were a number of card transactions made on Mr M’s Nationwide account. They included a transfer made at a ... (2 pages)View decision -
Decision Reference DRN4018584
17 Mar 2021 Tesco Personal Finance PLC UpheldBanking and creditMr D complains about Tesco Personal Finance PLC’s decision to lend to him. Mr D is represented by his mother, but, to keep things simple, I’ll refer to everything that’s been said on his behalf as if Mr D had said it himself. background I set out the background to Mr D’s complaint in my ea... (9 pages)View decision -
Decision Reference DRN-4069555
8 Sep 2023 Metro Bank PLC UpheldConsumer CreditDRN-4069555 The complaint Miss M complains that Metro Bank PLC, trading as RateSetter, lent to her irresponsibly and without carrying out proper affordability checks. What happened In April 2022 RateSetter granted Miss M a loan for £4,000 which was scheduled to be repaid at approximately £... (3 pages)View decision -
Decision Reference DRN-1720145
3 Jun 2020 Santander UK Plc Not upheldBanking and PaymentsDRN-1720145 The complaintMiss R complains that Santander UK Plc won't refund a series of card payments made from her account to an online gambling firm. She says she neither made nor authorised those payments. What happenedOver the course of around 15 hours in January 2020 fifteen car... (2 pages)View decision -
Decision Reference DRN5262863
15 Aug 2019 Barclays Bank UK PLC Not upheldBanking and creditMr J complains that Barclays Bank UK plc is holding him liable for a series of gambling transactions that he says he neither made nor authorised. backgroundOver the course of one day in August 2017 twenty-seven payments totalling £2,200 were made from Mr J’s Barclays account. Each payment... (2 pages)View decision -
Decision Reference DRN-3201648
11 Feb 2022 Oakbrook Finance Limited Not upheldConsumer CreditDRN-3201648 The complaint Mr M complains that Oakbrook Finance Limited (trading as Likely Loans) acted irresponsibly by granting him a loan that was unaffordable. What happened In February 2019, Mr M took out a loan for £2,000 with Likely Loans. The loan was to be repaid over 36 months wit... (3 pages)View decision -
Decision Reference DRN-2456040
18 Jan 2021 The Co-operative Bank Plc Not upheldBanking and PaymentsDRN-2456040 The complaint Mr K complains that The Co-operative Bank Plc has unfairly registered a marker at CIFAS the national fraud database. What happened Mr K contacted The Co-op in December 2018 to say that he didn’t recognise three payments made using his debit card in October 2018. T... (3 pages)View decision -
Decision Reference DRN-4237622
3 Aug 2023 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4237622 The complaint Miss B has complained that The Royal Bank of Scotland Plc (“RBS”) acted irresponsibly by providing her with a £250 overdraft. What happened Miss B successfully applied online for an overdraft with a limit of £250 in November 2017. All overdraft applications after... (3 pages)View decision