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 DRN2043096
20 Feb 2018 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs C complain that The Royal Bank of Scotland Plc (“RBS”) wrongly rejected Mrs C’s claim for a refund of payments from their joint account which she says were made by a fraudster. They also complain that RBS closed their joint account earlier than it had sai... (2 pages)View decision -
Decision Reference DRN0700036
22 Mar 2016 HSBC Bank plc Not upheldBanking and creditMr J complains about three disputed transactions on his account. He says that HSBC Bank Plc should reimburse these amounts.backgroundMr J told HSBC that he did not recognise three transactions on his account – all made to online gambling sites. He was unable to with... (2 pages)View decision -
Decision Reference DRN-3140799
16 May 2022 TM Advances Limited Not upheldConsumer CreditDRN-3140799 The complaint Mr H complains that TM Advances Limited lent to him irresponsibly and without carrying out proper affordability checks in April 2015. TM Advances has accepted that and refunded the interest and charges associated with the loan. However, Mr H doesn’t think that’s e... (2 pages)View decision -
Decision Reference DRN0571193
15 Mar 2019 Gain Credit LLC UpheldBanking and creditMr B says complains that Gain Credit LLC, trading as Lending Stream (“Lending Stream”) lent to him irresponsibly. backgroundI attach my provisional decision dated 20 February 2019, which forms part of this final decision and should be read in conjunction with it. In m... (11 pages)View decision -
Decision Reference DRN-3651246
13 Sep 2022 Tesco Personal Finance PLC UpheldConsumer CreditDRN-3651246 The complaint Mr A complains that Tesco Personal Finance PLC trading as Tesco Bank (Tesco) irresponsibly lent him money that he couldn’t afford to repay. What happened Tesco provided Mr A with a loan for £35,000 on 30 January 2016. The loan was repayable over 120 months at the ... (4 pages)View decision -
Decision Reference DRN5193195
8 Jan 2018 Barclays Bank Plc Not upheldBanking and creditMr B complains that Barclays Bank PLC is holding him liable for payments he says he did not make with his debit card.backgroundMr B disputes payments which total £940 made to an online gambling website using his debit card between March and April 2017.The adjudi... (1 page)View decision -
Decision Reference DRN-3746366
3 Feb 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3746366 The complaint Mr R complains about Barclays Bank UK PLC (“Barclays”) following his accounts balances being used up and his accounts closed. He wants Barclays to explain what happened. What happened Mr R held a current account with Barclays. Around the end of 2018, Mr R came int... (2 pages)View decision -
Decision Reference DRN7774201
19 Sep 2017 Western Circle Limited Not upheldBanking and creditMr E complains that Western Circle Ltd (trading as Cashfloat) gave him loans that he couldn’t afford to repay.backgroundMr E was given ten loans by Cashfloat between February 2015 and August 2016. All of the loans were repayable by two or three equal monthly instalmen... (3 pages)View decision -
Decision Reference DRN-5649544
13 Oct 2025 Oakbrook Finance Limited Not upheldConsumer CreditDRN-5649544 The complaint Mr M says Oakbrook Finance Limited, trading as Finio Loans, irresponsibly lent to him. What happened Mr M took out a loan from Finio Loans on 6 December 2024. It was for £2,500 over 24 months. The monthly repayments were £164.79 and the total repayable was £3,9... (3 pages)View decision -
Decision Reference DRN6011357
26 Sep 2013 National Westminster Bank Plc Not upheldBanking and creditMr G says National Westminster Bank Plc is wrong to hold him responsible for transactions with a betting company debited to his account. backgroundThe transactions were made via the account Mr G had set up with the betting company, which he had previously used for undisputed transactions.... (2 pages)View decision
