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 4630 results
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Decision Reference DRN5203624
20 Oct 2016 MEM Consumer Finance Limited UpheldBanking and creditMr C complains that MEM Consumer Finance Limited (trading as Payday UK) agreed to give him three loans that he couldn’t afford to repay.backgroundMr C first borrowed from Payday UK in May 2013 – the loan was for £450. A couple of days after repaying that loan, in Jun... (2 pages)View decision -
Decision Reference DRN2972228
27 Sep 2019 Barclays Bank UK PLC Not upheldBanking and creditMr B has complained that Barclays Bank UK Plc increased his credit card limit twice in 2014 without properly checking to make sure this was affordable. backgroundThe original limit for Mr B’s credit card account was £400. This increased to £800 in April 2013. Mr B tended to pay more than t... (4 pages)View decision -
Decision Reference DRN-3963086
22 Feb 2023 Oplo PL Ltd UpheldConsumer CreditDRN-3963086 The complaint Ms D says Oplo PL Ltd, trading as 1st Stop Personal Loans, irresponsibly lent to her. What happened Ms D took out a 30-month instalment loan from Oplo on 14 February 2018. It was for £3,000 and the monthly repayments were £137.20 The total repayable was £4,116. Ms... (4 pages)View decision -
Decision Reference DRN2749754
5 Feb 2019 Wageme.Com Limited UpheldBanking and creditMr E complains that WAGEME.COM LTD (“WCL”), gave him loans that he couldn’t afford to repay.backgroundMr E took 6 loans from WCL between June 2015 and September 2015 as follows:-Loan numberDate of LoanLoan repayment (including initial interest amount) Date repaid1.3/6/2015£... (5 pages)View decision -
Decision Reference DRN-1536257
6 Feb 2020 Starling Bank Limited Not upheldBanking and PaymentsDRN-1536257 The complaintMiss D complains about Starling Bank Limited and their failure to progress her chargeback after she was unable to withdraw funds from a third-party website (“M”) account. What happenedMiss D made a number of deposits into her account with M using her Starling debit... (2 pages)View decision -
Decision Reference DRN-3336913
21 Mar 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3336913 The complaint Mr R complains HSBC UK Bank Plc won’t reimburse money he lost when he fell victim to a scam. What happened Mr R was interested in investing on the stock exchange and came across Plusoption alongside some other investment companies. He thought it was a safe form of... (4 pages)View decision -
Decision Reference DRN-3126685
23 Nov 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3126685 The complaint Mr P complains about Barclays Bank UK PLC trading as Barclaycard and their decision to approve his credit card application and subsequent credit limit increases. What happened Mr P applied for a credit card account with Barclays in July 2013. This application was ... (4 pages)View decision -
Decision Reference DRN9536513
30 Jun 2015 National Westminster Bank Plc Not upheldBanking and creditMr W complains that National Westminster Bank Plc will not refund fraudulent payments made from his account to an online gambling website.backgroundMr W disputes four payments made on the same date. The payments totalled £2,550 (£50, £500, £1,000 and £1,000) and result... (1 page)View decision -
Decision Reference DRN8924781
26 Jan 2019 Nationwide Building Society Not upheldBanking and creditMr J complains that problems with Nationwide Building Society’s systems prevented him from making payments to place bets online which caused him financial loss.backgroundMr J attempted to make several payments to an online gambling account in November 2018 but the payme... (1 page)View decision -
Decision Reference DRN-1953560
29 Jun 2020 Gain Credit LLC Not upheldConsumer CreditThe complaint Mr M says Gain Credit LLC (trading as Lending Stream) irresponsibly lent to him. What happened This complaint is about two 6-month instalment loans Lending Stream provided to Mr M in April 2016 and September 2016. Details of these loans are set out below. LoanTaken outRepaidA... (3 pages)View decision
