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 4717 results
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Decision Reference DRN-5003133
4 Sep 2024 National Westminster Bank Plc UpheldBanking and PaymentsDRN-5003133 The complaint Mr A complains that a number of credit cards and loans given to him by National Westminster Bank Plc (NatWest) were unaffordable for him. He argues therefore that they should not have been given to him. What happened Mr A was granted two credit cards by NatWes... (8 pages)View decision -
Decision Reference DRN3249328
4 Mar 2019 Gain Capital UK Limited Not upheldInvestment and pensionsMr G’s complaint is about his contracts for differences (CFD) trading account with Gain Capital UK Limited (trading as City Index). He says City Index did as follows: Closed, without his consent, three specific trades on 31 May 2018. Unfairly declined his request... (5 pages)View decision -
Decision Reference DRN4126916
3 Mar 2021 Next Retail Limited UpheldBanking and creditMiss S complains that Next Retail Limited acted irresponsibly in increasing her credit limit on her NextPay account in July 2017. background The background to this complaint was set out in the provisional decision I issued in January 2021. An extract from this is attached and forms part of... (7 pages)View decision -
Decision Reference DRN9041980
29 Sep 2016 Lloyds Bank PLC Not upheldBanking and creditMrs B, on behalf of her son Mr B, says Lloyds Bank PLC irresponsibly lent him money.backgroundMrs B says shed told Lloyds in 2014 and 2015 of her son’s gambling problems. Each time the bank had cancelled his debit card, and overdraft facility, and issued him with ... (2 pages)View decision -
Decision Reference DRN-3638239
5 Jan 2023 Yorkshire Building Society Not upheldBanking and PaymentsDRN-3638239 The complaint Mr H complains that Yorkshire Building Society (“YBS”) did not allow him to open a saving account. What happened When Mr H attempted to open a ‘Make me a saver’ account with YBS and was declined, he raised a complaint. YBS issued a final response in which it expl... (2 pages)View decision -
Decision Reference DRN6600513
9 Sep 2016 MEM Consumer Finance Limited UpheldBanking and creditMr C complains that MEM Consumer Finance Limited (trading as Payday UK) gave him loans he couldn’t afford to repay. He asks that it writes off the debt, corrects his credit file and pays compensation.backgroundMr C took loans from Payday UK in November 2012 and January... (2 pages)View decision -
Decision Reference DRN-3248052
2 Feb 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3248052 The complaint and background Mr D has complained about Santander UK Plc’s decision to agree to increase his overdraft several times between May and July 2017, during a period when he was struggling with a gambling problem. He says Santander should have realised that he was in s... (2 pages)View decision -
Decision Reference DRN1801468
28 Feb 2020 Bank of Scotland Plc Not upheldBanking and creditComplaintMr M complains that Bank of Scotland plc lent irresponsibly when it approved a loan for £3,000 in August 2015. BackgroundMr M applied for a loan online with Bank of Scotland on 10 August 2015. In the application, Mr M told Bank of Scotland he earned £1,150 a month and had commitme... (2 pages)View decision -
Decision Reference DRN6570549
1 May 2018 Casheuronet UK LLC UpheldBanking and creditMr D complains that CashEuroNet UK LLC was irresponsible to continue to lend to him given his borrowing history.backgroundMr D had eleven loans from CashEuroNet (trading as QuickQuid and Pounds to Pocket) between December 2010 and September 2017 as follows:Mr D says Cas... (4 pages)View decision -
Decision Reference DRN4643305
27 Mar 2018 Madison CF UK Limited Not upheldBanking and creditMr M complains that Madison CF UK Limited (trading as 118118 Money) mis-sold him a loan he couldn’t afford.backgroundIn April 2016 Mr M borrowed £2,500 from 118118 Money. This was to be repaid in 24 monthly instalments of just under £200, paid by direct debit. But a... (2 pages)View decision
