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 5478 results
-
Decision Reference DRN9766194
5 Feb 2016 TSB Bank plc UpheldBanking and creditMr T complains TSB Bank plc didn’t help him when he was trying to get money repaid to him.backgroundIn August 2015 Mr T used a gambling website and made a number of transactions. He spent the equivalent of £3,642. According to the casino site he used, he won mo... (2 pages)View decision -
Decision Reference DRN7073399
30 Jun 2017 Casheuronet UK LLC UpheldBanking and creditMr R has complained about loans granted to him by CashEuroNet UK LLC trading as Pounds to Pocket (“Pounds to Pocket”). He’s said they were unaffordable for him.backgroundPounds to Pocket says it agreed nine loans for Mr R during the period March 2012 to December 201... (4 pages)View decision -
Decision Reference DRN9961077
9 Nov 2016 Express Finance (Bromley) Limited Not upheldBanking and creditMr C complained that Express Finance (Bromley) Limited (trading as Payday Express) gave him loans that he couldn’t afford to repay.background The background to this complaint was set out in the provisional decision I issued last month. An extract from this is attached ... (4 pages)View decision -
Decision Reference DRN-3272500
28 Feb 2022 Nationwide Building Society Not upheldBanking and PaymentsDRN-3272500 The complaint Mr C complains that Nationwide Building Society failed to refund transactions he didn’t recognise. What happened Mr C transferred a large sum of money into his Nationwide account after he’d won the money using an online betting merchant I’ll refer to as M. The fun... (4 pages)View decision -
Decision Reference DRN-4730874
1 May 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4730874 The complaint Mr C has complained that Bank of Scotland plc trading as Halifax acted irresponsibly when it allowed him to continue using his overdraft when it had become unaffordable for him. Background Mr C held a current account with Halifax which had an overdraft facility on... (4 pages)View decision -
Decision Reference DRN-4610343
28 Mar 2024 Valour Finance Limited UpheldConsumer CreditDRN-4610343 The complaint Mr O complains Valour Finance Limited trading as Savvy.co.uk (“Valour”) provided him with a loan without carrying out appropriate affordability checks. Mr O also says that interest was added to the outstanding balance even thought he had told Valour about his diff... (7 pages)View decision -
Decision Reference DRN-2830768
22 Apr 2022 Bamboo Limited UpheldConsumer CreditDRN-2830768 The complaint Mrs M complains Bamboo Limited irresponsibly lent to her as she says it didn’t complete reasonable and proportionate checks when approving her for a loan. What happened In November 2016 Bamboo approved Mrs M for a guarantor loan. The loan was for £2,000 over a ter... (4 pages)View decision -
Decision Reference DRN-4436066
3 Nov 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4436066 The complaint Mr C has complained that Barclays Bank UK PLC failed in its duty to support him as a vulnerable consumer when his compulsive spending problem resulted in him losing his life savings and amassing huge debt Background Mr C is a lifelong customer of Barclays. He has ... (4 pages)View decision -
Decision Reference DRN-4673493
22 Mar 2024 Admiral Markets UK Ltd Not upheldInvestmentsDRN-4673493 The complaint Mr S complains that Admiral Markets UK Ltd failed to act in his best interests when it provided a Contract for Difference (CFD) trading facility to him. His representative says Mr S has a gambling addiction and the provision of an account by Admiral led to him inc... (4 pages)View decision -
Decision Reference DRN4943067
11 Jan 2018 Lending Stream Llc UpheldBanking and creditMr A complains that Lending Stream LLC wrongly lent him money he couldn’t afford to pay back.backgroundMr A took out four instalment loans with Lending Stream between October and November 2013. He said that the business didn’t carry out proper affordability checks and allo... (3 pages)View decision