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-3892651
19 Jan 2023 Madison CF UK Limited Not upheldConsumer CreditDRN-3892651 Complaint Mr K has complained about a loan Madison CF UK Limited (trading as “118 118 Money”) provided to him. He says he was tackling a gambling problem at the time and shouldn’t have been lent to. Background 118 118 Money provided Mr K with a loan for £2,000.00 in November 20... (2 pages)View decision -
Decision Reference DRN4898950
13 Dec 2013 Lloyds Bank PLC Not upheldBanking and creditMr B complains that Lloyds Bank PLC has refused to refund disputed transactions on his bank account. Mr B says he is the victim of fraud and wants Lloyds to refund the money.backgroundMr B opened an account with Lloyds in June 2012 and a debit card and PIN were issued to him. In Septe... (2 pages)View decision -
Decision Reference DRN-3017688
13 Sep 2021 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3017688 The complaint Mr C has complained that Lloyds Bank PLC’s changes to its overdraft pricing structure caused him financial difficulty and that Lloyds continued charging him excessive amounts for his overdraft when he was in financial difficulty. What happened Mr C complained to L... (2 pages)View decision -
Decision Reference DRN-3053590
4 Oct 2021 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3053590 The complaint Mr B has complained that Bank of Scotland plc trading as Halifax (“Halifax”) continued charging him excessive amounts for his overdraft when he was in financial difficulty. What happened Mr B complained to Halifax that the overdraft charges applied to his account... (2 pages)View decision -
Decision Reference DRN3430007
22 Nov 2017 Capital One (Europe) plc Not upheldBanking and creditMr A complains that Capital One (Europe) plc acted irresponsibly in increasing the credit limit on his account. backgroundMr A had a credit card account with Capital One and he says it acted irresponsibly when it increased his credit limit in 2010 and then again in ... (2 pages)View decision -
Decision Reference DRN2187274
12 Dec 2018 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMrs R complains that CURO TRANSATLANTIC LIMITED (trading as Wage Day Advance) gave her a loan that was unaffordable. backgroundIn 2014 Mrs R took out a loan of £100 with Wage Day Advance. It was a payday loan, and was repaid on schedule less than two weeks later in one... (3 pages)View decision -
Decision Reference DRN5588229
20 Apr 2016 Aviva Life & Pensions UK Limited Not upheldInvestment and pensionsMr B believes Aviva Life & Pensions UK Limited (Aviva) wrongly advised him to invest £12,000 in a bond in 1999 when he had an outstanding mortgage of £33,000 at the time.backgroundMr B surrendered this bond in 2004, receiving back his initial capital but no invest... (2 pages)View decision -
Decision Reference DRN4467873
18 May 2018 Gain Credit LLC UpheldBanking and creditMr G complains about the loans he took out with Gain Credit LLC trading as Lending Stream. He says that after the fourth or fifth loans they became unaffordable. But Lending Stream continued to lend to him. He says the repetition and frequency of his borrowing was... (7 pages)View decision -
Decision Reference DRN7010560
7 Mar 2017 National Westminster Bank Plc Not upheldBanking and creditMr D complains that, although National Westminster Bank Plc raised a chargeback claim for a large number of transactions with an online company and credited his account with the amount of money involved, it then re-debited it some months later.backgroundMr D told us he... (2 pages)View decision -
Decision Reference DRN6239489
3 Oct 2013 Nationwide Building Society UpheldInvestment and pensionsMiss A complains about advice received in 2012 from Nationwide Building Society to invest a substantial amount in investments she says were too risky for her. She says that the adviser assured her that the recommended investments posed no risk to her capital.backgroundI issued my pro... (5 pages)View decision
