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 DRN4358147
30 Oct 2017 Nationwide Building Society Not upheldInvestment and pensionsMr H complains that Nationwide Building Society’s advice to invest in a Guaranteed Equity Bond was unsuitable. Mr H is being represented by a claims management company (CMC).backgroundMr H complained that the advice to invest in the World Guaranteed Equity Bond in 1999 ... (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 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-1967440
9 Jul 2020 MYJAR Limited Not upheldConsumer CreditThe complaint Mr S says MYJAR Limited irresponsibly lent to him. Mr S says he was a bad candidate for borrowing. He had a gambling problem and had defaulted on different types of credit prior to borrowing from MYJAR. His income had reduced and was insufficient to cover the repayments. He s... (3 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 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 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 DRN-3362033
23 Mar 2022 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-3362033 The complaint Mrs R complains that Tesco Personal Finance PLC trading as Tesco Credit Card irresponsibly allowed her to open a credit card account which was unaffordable. What happened Mrs R says she shouldn’t have been allowed to open the Tesco credit card account. She says th... (2 pages)View decision -
Decision Reference DRN-5601663
13 Jun 2025 Oakbrook Finance Limited UpheldBanking and PaymentsThe complaint Mr R, who is represented by a third party, complains that Oakbrook Finance Limited, trading as Likely Loans (‘Likely Loans’), was irresponsible in providing him with five loans. What happened Mr R was provided with five fixed sum loan agreements between September 2020 and Mar... (5 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
