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 4598 results
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Decision Reference DRN5309479
27 May 2016 Everyday Loans Limited Not upheldBanking and creditMr S complains that Everyday Loans Limited was irresponsible to lend him money and that the charges were excessive and unreasonable.background Everyday Loans approved a £3,000 loan to Mr S in February 2015. Mr S says he told them he was gambling so they shouldn’t ... (1 page)View decision -
Decision Reference DRN-4520965
18 Jan 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4520965 The complaint Mr N complains that Monzo Bank Ltd (“Monzo”) failed to protect his account and refund transactions he didn’t make. What happened What Mr N says Mr N contacted Monzo and advised them that he wanted to report a number of transactions relating to a specific merchant ... (4 pages)View decision -
Decision Reference DRN7286215
5 Feb 2020 NewDay Ltd Not upheldBanking and creditMr H complains that a loan from NewDay Limited, trading as Aqua, wasn’t affordable for him and that it shouldn’t have been made to him. He also complains that the credit limit increases on his credit card account with Aqua weren’t affordable for him and that it should’ve made more checks. ... (3 pages)View decision -
Decision Reference DRN-4792369
23 May 2024 Aro Finance Limited Not upheldMortgagesDRN-4792369 The complaint Mr and Mrs S complain that Aro Finance Limited – formerly Freedom Finance Limited – mis-sold them a secured loan (second charge mortgage). They say the advice it gave them to take out the loan was unsuitable given their circumstances. What happened Mr and Mrs S fi... (5 pages)View decision -
Decision Reference DRN6546106
2 Dec 2015 Lloyds Bank PLC Not upheldBanking and creditMr S says Lloyds Bank PLC shouldn’t have lent him any money.backgroundMr S asked Lloyds for loans twice in early-2013 but the bank turned him down because it didn’t think he could afford the repayments. In April 2013 he asked again and got a £4,000 loan. He met the m... (4 pages)View decision -
Decision Reference DRN0203991
13 Jun 2019 National Westminster Bank Plc Not upheldBanking and creditMr T complains that it was irresponsible for National Westminster Bank Plc (“NatWest”) to have approved an overdraft for £8,000. He also complains that it won’t block gambling transactions on his account. backgroundMr T opened an account with NatWest in April 2018. In ... (4 pages)View decision -
Decision Reference DRN-4993377
4 Nov 2024 Nationwide Building Society Not upheldBanking and PaymentsDRN-4993377 The complaint Mr M has complained Nationwide Building Society won’t refund disputed gambling transactions between April and May 2024. What happened Mr M holds both current and savings accounts with Nationwide. In May he complained to Nationwide that there were numerous gambl... (3 pages)View decision -
Decision Reference DRN-4832568
4 Jun 2024 National Westminster Bank Plc UpheldBanking and PaymentsDRN-4832568 The complaint Mr T complains because National Westminster Bank Plc refused to refund gambling transactions which he says he didn’t authorise. What happened In September 2018 Mr T contacted NatWest to query multiple gambling transactions on his account which he says he didn’t au... (3 pages)View decision -
Decision Reference DRN6610917
1 Dec 2015 Barclays Bank Plc Not upheldBanking and creditMiss G complains that Barclays Bank Plc is holding her responsible for gambling transactions made from her account and which she denies making or being responsible for. Miss G has been declined a refund of the value of the transactions.backgroundMiss G is disputing ... (3 pages)View decision -
Decision Reference DRN9609555
2 Jul 2018 Casheuronet UK LLC UpheldBanking and creditMr K complains that CashEuroNet UK LLC (trading as Quick Quid) lent to him irresponsibly. Mr K is represented by a claims management company. His representative asks that interest and charges are refunded, with 8% interest, and any remaining balance is written off. It a... (4 pages)View decision
