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-4966774
20 Aug 2024 Dzing Finance Ltd Not upheldBanking and PaymentsDRN-4966774 The complaint Mr F complains that Dzing Finance Ltd has blocked his payment account, that it has not credited a payment made to the account, and that it won’t release funds to him. What happened Mr F has an account with Dzing. He has explained that he uses the account mainly... (2 pages)View decision -
Decision Reference DRN1366126
27 Sep 2013 MBNA Limited Not upheldBanking and creditMrs G complains that MBNA Limited will not refund one online transaction and two cash machine withdrawals made using her credit card but without her authority or knowledge.backgroundIn May 2010, over a two-day period, Mrs G’s MBNA credit card was used to make one online transaction (t... (2 pages)View decision -
Decision Reference DRN2907315
14 Sep 2016 Nationwide Building Society Not upheldBanking and creditMr A complains that Nationwide Building Society will not refund payments he says he did not make from his bank account.backgroundA number of payments, totalling £760, were made to an online gambling company on 5 and 6 December 2015. Nationwide had raised a dispute with... (2 pages)View decision -
Decision Reference DRN6216414
22 Apr 2016 Lloyds Bank PLC UpheldBanking and creditMr O isn’t happy with the way that Lloyds Bank PLC (“Lloyds”) handled his applications to increase his overdraft. background I set out the background to Mr O’s complaint in a provisional decision. Mr O had a gambling problem and significantly increased his overdraft o... (2 pages)View decision -
Decision Reference DRN-3737228
5 Oct 2022 HSBC UK Bank Plc Not upheldConsumer CreditDRN-3737228 The complaint Mr P complains that HSBC UK Bank Plc have irresponsibly lent to him. Mr P is represented by his father in law in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments he has made as being made by Mr P himself. What happened Mr... (5 pages)View decision -
Decision Reference DRN-2497316
11 Jan 2022 UK Credit Limited Not upheldConsumer CreditDRN-2497316 The complaint Mr S complains UK Credit Limited didn’t complete reasonable and proportionate checks when approving him for two guarantor loans. What happened Mr S was approved for two guarantor loans with UK Credit: Date of loan Capital Amount Term Monthly repayments (approx.) T... (5 pages)View decision -
Decision Reference DRN1912278
22 Aug 2016 Indigo Michael Limited UpheldBanking and creditMr M complains that Indigo Michael trading as SafetyNetCredit (‘SafetyNetCredit’) lent to him irresponsibly.backgroundThe background to this complaint, and my initial conclusions, were set out in my provisional decision dated 4 July 2016 – a copy of which is attached ... (5 pages)View decision -
Decision Reference DRN7168601
26 Feb 2018 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr P complains about the loans he took out with Curo Transatlantic Limited trading as Wage Day Advance. Mr P says he repeatedly borrowed large amounts. This ought to have placed Wage Day on notice he was a poor candidate for credit and prompt it to carry out furth... (6 pages)View decision -
Decision Reference DRN7381992
5 Jan 2018 Ausgroup Limited Not upheldBanking and creditMrs H has complained that Ausgroup Limited trading as Cash Converters (“Cash Converters or Ausgroup”) provided several loans that were unaffordable for her.backgroundI issued a provisional decision, in November 2017 explaining why I was intending to partially uphold Mrs H... (7 pages)View decision -
Decision Reference DRN-3664619
24 Nov 2022 Gain Credit LLC UpheldConsumer CreditDRN-3664619 The complaint Mr V says Gain Credit LLC (trading as Drafty) gave him a line of credit he couldn’t afford to repay. Mr V went on to say that Drafty didn’t carry out appropriate affordability checks and therefore failed to identify he was stuck in a cycle of borrowing. What happ... (7 pages)View decision
