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-3427621
16 May 2022 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3427621 The complaint Mr P complains that Lloyds Bank PLC irresponsibly increased his overdraft facility to unaffordable levels. What happened Mr P says Lloyds increased his overdraft facility to over £2,000 in a short time period. He says he had complex mental health issues which resu... (2 pages)View decision -
Decision Reference DRN5219678
7 Nov 2017 Capital One (Europe) plc Not upheldBanking and creditMr N complains that Capital One (Europe) plc acted irresponsibly in increasing the credit limit on his account.backgroundMr N held a credit card account with Capital One. He says that Capital One acted irresponsibly when it increased the credit limit on the card in 201... (2 pages)View decision -
Decision Reference DRN6214056
28 Mar 2017 HSBC Bank plc Not upheldBanking and creditMr S complains that HSBC Bank Plc was irresponsible in lending him money.backgroundIn the autumn of 2016 Mr S increased his overdraft limit using the bank’s online facility. The bank declined a further request and he applied for a loan of some £7,500, a small part of... (2 pages)View decision -
Decision Reference DRN6630856
17 Aug 2017 Active Securities Limited UpheldBanking and creditMr W complains that Active Securities Limited trading as 247Moneybox lent him money that he couldn’t afford to repay.backgroundMr W took out 26 loans with Moneybox between 2010 and 2013. He said it was irresponsible to agree to lend.Moneybox didn’t agree the lending w... (3 pages)View decision -
Decision Reference DRN-3427947
4 May 2022 Nationwide Building Society Not upheldBanking and PaymentsDRN-3427947 The complaint Mr S complains that Nationwide Building Society provided him with extensions to his overdraft facility limit. Mr S says that manual checks of his bank account would have made it clear at the time the credit was being offered to him that it was not affordable. What... (3 pages)View decision -
Decision Reference DRN-1457127
23 Jun 2020 Nationwide Building Society Not upheldBanking and PaymentsDRN-1457127 The complaintMr M complains that Nationwide Building Society increased the credit limit on his credit card when it should have known that he could not afford it. What happenedMr M had a credit card with Nationwide. Nationwide increased his credit limit in April 2012 and again i... (2 pages)View decision -
Decision Reference DRN-4707427
3 Jun 2024 Fairscore Ltd UpheldConsumer CreditDRN-4707427 The complaint Mr B complains about Fairscore Ltd’s, trading as Updraft, three lending decisions which he believes were irresponsible. What happened Mr B took out the following three loans with Updraft: Loan 1 o£5,000 in October 2020 oRequiring 35 monthly repayments of £182.37 ... (3 pages)View decision -
Decision Reference DRN-5583410
3 Oct 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5583410 THE COMPLAINT Mr H complains that Barclays Bank UK PLC (“Barclays”) will not reimburse him money he says he lost when he fell victim to fraud. WHAT HAPPENED The circumstances of this complaint are well known to all parties concerned, so I will not repeat them again here in ... (3 pages)View decision -
Decision Reference DRN-2901359
27 Jul 2021 TransferWise Ltd Not upheldBanking and PaymentsDRN-2901359 The complaint Mr B has complained TransferWise Ltd won’t refund him for multiple transactions he says he didn’t make. What happened On 8 January 2020, Mr B submitted disputes for 39 gambling transactions between 14 November 2019 and 3 January 2020. Mr B says a similar event occ... (4 pages)View decision -
Decision Reference DRN8361979
22 Jun 2017 Euronetcash, Llc Not upheldBanking and creditMr D complains that EuroNetCash LLC, trading as On Stride Financial, irresponsibly lent him money without properly carrying out checks of whether he could afford to repay it.backgroundIn December 2016 Mr D borrowed £4,000 from On Stride Financial over a term of three ... (2 pages)View decision
