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
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Decision Reference DRN8103105
9 Jan 2018 Lending Stream Llc UpheldBanking and creditMr H complains that Lending Stream LLC gave him unaffordable instalment loans. He wants a refund of his interest and charges.backgroundMr H had ten loans from Lending Stream between January 2015 and May 2016. He said it didn’t carry out proper checks that he could af... (2 pages)View decision -
Decision Reference DRN-1585570
1 Jul 2020 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-1585570The complaintMr G’s mother, Mrs G, complains on her son’s behalf that the Bank of Scotland plc (BOS) allowed her son to open a bank account with them and a short while later obtain an overdraft, which was increased the following day, without carrying out sufficient checks as to ... (2 pages)View decision -
Decision Reference DRN0062853
26 Sep 2013 HSBC Bank plc Not upheldBanking and creditMs L complains that HSBC Bank plc gave her son, Mr L, an overdraft facility on his current account without first assessing whether he was able to repay the outstanding balance.background Mr L had a current account with HSBC. He was unemployed and in receipt of Jobseekers Allowance. He ... (2 pages)View decision -
Decision Reference DRN-4516267
24 Apr 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4516267 The complaint X complains about Barclays Bank UK PLC. They say that Barclays didn’t do enough to protect him when they became the victim of a scam and would like Barclays to refund the money that has been lost. What happened In November 2022, X came across an opportunity on Ins... (3 pages)View decision -
Decision Reference DRN-4029636
17 Mar 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4029636 The complaint Mr T complains that NewDay Ltd trading as Aqua (‘Aqua’) has registered a marker against him at CIFAS – the national fraud database. What’s happened? Mr T’s Aqua credit card account was opened in April 2019. In January 2020, Aqua registered a marker against Mr T wi... (2 pages)View decision -
Decision Reference DRN-2532418
1 Feb 2021 Revolut Ltd Not upheldBanking and PaymentsDRN-2532418 The complaint Mr R complains that Revolut Ltd (Revolut) refused to accept a payment into his account. What happened Mr R says following receiving winnings from a well-known online betting company, he arranged for the proceeds to be paid into his account with Revolut. Mr R says ... (2 pages)View decision -
Decision Reference DRN-3114944
29 Mar 2022 National Westminster Bank Plc UpheldConsumer CreditDRN-3114944 The complaint Mr D complains National Westminster Bank Plc lent to him irresponsibly. What happened Mr D applied to NatWest for lending on a number of occasions including for a £7,500 loan in May 2019 and a £10,000 loan in March 2020. Both loans were approved. In 2020 Mr D comp... (3 pages)View decision -
Decision Reference DRN-5172084
4 Dec 2024 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5172084 The complaint Mr G’s complaint arises out of a current account held with The Royal Bank of Scotland Plc. Mr G is unhappy that RBS blocked transactions on the account, as a result of which Mr G needed to open a second current account with a different bank. This left a credit... (2 pages)View decision -
Decision Reference DRN-4999497
23 Sep 2024 Chetwood Financial Limited Not upheldBanking and PaymentsDRN-4999497 Complaint Mr T has complained about a credit card Chetwood Financial Limited (trading as “Wave”) provided to him. He says that sufficient checks weren’t carried out before he was provided with the credit card. Background In June 2022, Wave provided Mr T with a credit card w... (3 pages)View decision -
Decision Reference DRN-3756933
31 Oct 2022 Chetwood Financial Limited Not upheldConsumer CreditDRN-3756933 Complaint Mr O has complained about a personal loan Chetwood Financial Limited (trading as “Better Borrow”) provided to him. He says the loan was provided irresponsibly proportionate checks would have shown that he was gambling unsustainable sums of money. Background Better Bor... (3 pages)View decision
