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 4619 results
-
Decision Reference DRN-4021000
14 Mar 2023 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4021000 The complaint Mr R says Bank of Scotland plc, trading as Halifax, irresponsibly lent to him. What happened Mr R applied for a credit card online from Halifax in May 2022. The bank approved his application and gave him a £4,500 credit limit. Mr R says he should not have been giv... (2 pages)View decision -
Decision Reference DRN-2945616
1 Dec 2021 Nationwide Building Society Not upheldConsumer CreditDRN-2945616 The complaint Miss B complains that her loan with Nationwide Building Society (“Nationwide”) was lent to her irresponsibly. What happened In 2014 Miss B took out a £5,000 loan over 48 months. The loan was applied for and approved on Nationwide’s website. Miss B says she was in ... (3 pages)View decision -
Decision Reference DRN-2984924
20 Jan 2022 Retail Money Market Ltd UpheldConsumer CreditDRN-2984924 The complaint Miss B says Retail Money Market Ltd (trading as RateSetter) facilitated a loan for her that she couldn’t afford. What happened Miss B took out a loan for £2,000 through RateSetter’s electronic system in January 2017. The loan total of £2,364.24, including interes... (3 pages)View decision -
Decision Reference DRN-2040333
1 Sep 2020 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-2040333The complaintMr M is unhappy that National Westminster Bank Plc (NatWest) declined his chargeback request. What happenedIn December 2019 and January 2020 Mr M made four deposits into his account with an online gambling company (the company). But the company wouldn’t let Mr M mak... (2 pages)View decision -
Decision Reference DRN8701429
24 Aug 2018 Sainsbury's Bank Plc Not upheldBanking and creditMr C complains that Sainsbury’s Bank Plc should not have approved his credit card application as he had a poor credit history, a high volume of bad debt and had gambling problems. backgroundMr C applied for a Sainsbury’s credit card in 2015 with a declared income in ex... (2 pages)View decision -
Decision Reference DRN4448324
21 Apr 2015 Steven George Murray UpheldBanking and creditMr M complains that Steven George Murray (trading as Uncle Buck) irresponsibly lent him money. background Mr M took out a number of payday loans with Uncle Buck over about a five year period. Each time the original loan was rolled over and it took some time before... (2 pages)View decision -
Decision Reference DRN2159007
25 Apr 2017 Barclays Bank Plc UpheldBanking and creditMr G complains that Barclays Bank Plc has held him liable for transactions on his account that he says he neither made nor authorised.He wants Barclays to credit his account with the value of the disputed transactions backgroundThe disputed transactions include ‘poi... (3 pages)View decision -
Decision Reference DRN9673684
20 Feb 2018 Avantcredit Of Uk, Llc Not upheldBanking and creditMr S complains that a fixed sum loan agreement with AvantCredit of UK, LLC was mis-sold to him as it was irresponsible lending and that he’s being asked to pay more than he owes.backgroundMr S entered into a fixed sum loan agreement with AvantCredit in January 2016.... (2 pages)View decision -
Decision Reference DRN4798855
26 Sep 2016 IG Index Limited Not upheldInvestment and pensionsMr C complains that IG Index Limited: manipulated the transactions he entered into for their gain misled him about the nature of, and risks involved in using, their services unfairly closed some of his transactions used prices which weren’t reflective of the under... (2 pages)View decision -
Decision Reference DRN8504350
31 Dec 2018 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr W complains about three short term loans that he took out with Curo TransatlanticLimited, trading as WageDay Advance, (“WDA”). He said that WDA shouldn’t have given himthe loans as they were unaffordable.backgroundMr W took out two instalment loans and one payday l... (5 pages)View decision
