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 5443 results
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Decision Reference DRN-4947687
5 Aug 2024 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4947687 The complaint Mr H is being represented by solicitors. He’s complaining about Lloyds Bank PLC because he says it lent irresponsibly by providing him with an overdraft, increasing the limit and then allowing him to continue relying on this form of high-cost credit. What happe... (4 pages)View decision -
Decision Reference DRN-3277150
20 May 2022 MotoNovo Finance Limited Not upheldConsumer CreditDRN-3277150 The complaint Mr A complains that MotoNovo Finance Limited didn’t provide the service it should have when he asked about a partial settlement of his hire purchase agreement. What happened In January 2020, Mr A acquired a used car through a hire purchase agreement with MotoNovo.... (2 pages)View decision -
Decision Reference DRN-2909115
5 Jul 2021 Capital One (Europe) plc UpheldBanking and PaymentsDRN-2909115 The complaint Mr B complains that Capital One (Europe) plc trading as Capital One lent irresponsibly when it approved two credit cards in his name. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. In my provision... (3 pages)View decision -
Decision Reference DRN1787156
22 May 2020 Marks & Spencer Financial Services plc Not upheldBanking and creditMs C is unhappy that Marks & Spencer Financial Services Plc t/a M&S Bank has rejected her chargeback request. She wants M&S to refund her for a number of disputed transactions.backgroundMs C set up a trading account with a third party. This third party supposedly claimed to be ... (2 pages)View decision -
Decision Reference DRN-1749442
1 Jun 2020 TSB Bank plc UpheldBanking and PaymentsDRN-1749442 The complaint Mr F complains TSB Bank Plc will not refund some disputed transactions. What happenedOver a course of 24 hours, a large number of transactions were made from Mr F’s account. In total, the transactions amounted to £4655 and were all made to an online betting compan... (2 pages)View decision -
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 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 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 DRN9964568
16 May 2017 Uncle Buck Finance LLP Not upheldBanking and creditMiss P complains that Uncle Buck Finance LLP made short-term lending to her when it shouldn’t have.backgroundIn 2014 Uncle Buck made one loan to Miss P. She later complained that it hadn't been affordable for her.The adjudicator didn’t recommend that the complain... (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