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 DRN-4490137
1 Dec 2023 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4490137 The complaint Mr H complains that HSBC UK Bank Plc closed his bank account and didn’t treat him fairly when it asked him to repay money he owed after a failed chargeback claim. What happened The detailed background of this complaint is well known to both parties. So, I’ll only ... (7 pages)View decision -
Decision Reference DRN-3549881
17 Jun 2022 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3549881 The complaint Mr and Mrs K complain that HSBC UK Bank Plc won’t refund money they lost to a binary options investment scam. As most of the correspondence is from Mr K, I’ll treat all submissions as having come from him in this decision. What happened Around October 2017, Mr K ... (5 pages)View decision -
Decision Reference DRN3171350
24 Jul 2017 Nationwide Building Society Not upheldBanking and creditMr N complains that Nationwide Building Society will not refund some disputed transactions.backgroundMr N complained to Nationwide about some payments made to an online gambling website - S. There were a number of payments made, totalling £20400, which Mr N says he ... (1 page)View decision -
Decision Reference DRN-4798892
30 May 2024 FirstRand Bank Limited Not upheldConsumer CreditDRN-4798892 Complaint Ms L complains that FirstRand Bank Limited (trading as “MotoNovo” Finance) unfairly entered into a hire-purchase agreement with her. She’s said the payments to her agreement were unaffordable. Background In July 2018, MotoNovo provided Ms L with finance for a used car... (3 pages)View decision -
Decision Reference DRN0540629
24 Jan 2014 Barclays Bank Plc Not upheldBanking and creditMr C complains that Barclays Bank plc will not refund a number of card transactions which he says he neither made nor authorised. backgroundA number of disputed transactions were made on Mr C’s credit card account. They included point of sale payments (that is, at shops and petrol ... (2 pages)View decision -
Decision Reference DRN-4779460
3 May 2024 Madison CF UK Limited UpheldConsumer CreditDRN-4779460 The complaint Mr E is complaining about Madison CF UK Limited trading as 118 118 Money because he says it lent irresponsibly by providing him with a loan he couldn’t afford. What happened In July 2022, 118 118 Money approved Mr E’s application for a loan of £2,000. The interest... (4 pages)View decision -
Decision Reference DRN1554343
8 Jul 2019 Casheuronet UK LLC UpheldBanking and creditMr R complains that CashEuroNet UK LLC (trading as QuickQuid) was irresponsible to lend to him.backgroundMr R had six loans from QuickQuid between March 2014 and September 2018 as follows:Loan Date AmountTerm Due Repayment* Repaid 121 Mar 2014£40090d19 Jun 2014£518On time229 Jun 2014£60010... (4 pages)View decision -
Decision Reference DRN-1835400
18 May 2020 Lloyds Bank PLC UpheldBanking and PaymentsDRN-1835400ComplaintMr D has complained about the overdraft on his Lloyds Bank PLC (“Lloyds”) bank account. He’s said that he had a gambling problem, between 2013 and 2018, which ought to have been apparent from his statements. And in these circumstances, it was unfair to lend to him, let ... (14 pages)View decision -
Decision Reference DRN1551924
17 Jan 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr Y complains that Express Finance (Bromley) Limited (trading as Payday Express) shouldn’t have provided him with loans which he says were unaffordable.backgroundMr Y complained to Payday Express about the loans he’d been provided with. It issued a final response to M... (4 pages)View decision -
Decision Reference DRN6095705
15 Sep 2017 WDFC UK Limited UpheldBanking and creditMr S complains that WDFC UK Limited (trading as Wonga) lent him money he could not afford to repay. backgroundMr S took out 16 loans with Wonga between September 2012 and March 2014. He says that during this period his loans got larger and he had to take out other l... (3 pages)View decision
