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-3137624
20 Dec 2021 National Westminster Bank Plc UpheldBanking and PaymentsDRN-3137624 The complaint Miss R is unhappy because National Westminster Bank Plc (NatWest) did not reimburse all the money she transferred to a fraudster. Background Both parties are aware of the circumstances of the complaint so I won’t repeat them in detail here. But briefly, Miss R has... (6 pages)View decision -
Decision Reference DRN8395031
28 Jan 2015 National Westminster Bank Plc Not upheldBanking and creditMr C complains that National Westminster Bank Plc (“the bank”) caused him a financial loss, as well as embarrassment and upset. backgroundMr C had an account with a bookmakers, and in April 2013 he made a series of payments to it via his bank account, totalling £8,103. However, when th... (4 pages)View decision -
Decision Reference DRN-2979008
8 Sep 2021 Bank of Scotland Plc UpheldBanking and PaymentsDRN-2979008 The complaint Mr M has complained that Bank of Scotland plc (“BOS”) trading as Halifax continued charging him excessive amounts for his overdraft when he was in financial difficulty. What happened Mr M has complained about unaffordable lending relating to overdraft increases. H... (2 pages)View decision -
Decision Reference DRN-3369300
26 Apr 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3369300 Complaint Ms H is unhappy that Barclays Bank UK PLC hasn’t refunded multiple transactions from her account that she says were fraudulent. Background In June 2020, Ms H received three substantial payments from the Department for Work and Pensions. The total value of those three ... (2 pages)View decision -
Decision Reference DRN-4459922
16 Nov 2023 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-4459922 The complaint Mr E seeks to complain about National Westminster Bank Plc’s actions in relation to an overdraft facility he’s held with the bank since 2012. He believes the bank should have done more to take proper account of the suitability of the credit limit he had in light o... (6 pages)View decision -
Decision Reference DRN0617782
12 Mar 2019 PDL Finance Limited UpheldBanking and creditMrs S complains that PDL Finance Limited (trading as Mr Lender) was irresponsible to lend to her.backgroundMrs S borrowed £250 from Mr Lender in May 2011. She says if Mr Lender had done better checks it would’ve found she was in financial difficulty and using one l... (2 pages)View decision -
Decision Reference DRN7821682
13 Oct 2017 Madison CF UK Limited Not upheldBanking and creditMr C complains that Madison CF UK Limited (trading as 118 118 Money) lent him money that was unaffordable. He feels it’s acted irresponsibly.backgroundMr C took out a loan of £1,000 for 18 months with 118 118 in 2015. He took a further loan 12 months later to conso... (2 pages)View decision -
Decision Reference DRN1955372
10 Oct 2018 Provident Personal Credit Limited Not upheldBanking and creditMr F complains that Provident Personal Credit Limited (“Provident”) lent to him irresponsibly. backgroundMr F took out two loans with Provident in 2012. One for £300 in March was settled a few months later but he took another loan out in September for £500 and this ... (2 pages)View decision -
Decision Reference DRN-3247311
31 May 2022 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3247311 The complaint Mr M complains that Lloyds Bank PLC (Lloyds) won’t refund the payments he made to two gambling merchants (M and R) which he now believes were a scam. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. The... (2 pages)View decision -
Decision Reference DRN6780211
27 Dec 2017 Western Circle Limited Not upheldBanking and creditMr M complains that Western Circle Ltd (trading as Cashfloat) gave him a loan that he couldn’t afford to repay.backgroundMr M was given a single loan by Cashfloat in April 2016. He borrowed £400 that was repayable in two, monthly, instalments of £253. Shortly after bo... (2 pages)View decision
