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 DRN3554703
15 Nov 2019 National Westminster Bank Plc Not upheldBanking and creditMr B complains that National Westminster Bank Plc (NatWest) treated him unfairly by closing his two personal current accounts and his savings account.backgroundOn 19 March 2019, NatWest sent a letter to Mr B. The letter listed his two current accounts held solely in his name, his savings a... (2 pages)View decision -
Decision Reference DRN6982917
17 May 2021 Capital One (Europe) plc Not upheldBanking and creditComplaint Mr S complains, in summary, that Capital One (Europe) plc did not do enough to help him recover all the money he had paid to an investment trading platform using his Capital One Mastercard credit card. Background After receiving a call from an entity offering investment trading, ... (4 pages)View decision -
Decision Reference DRN2282344
5 Mar 2021 Greenlight Credit Ltd UpheldBanking and creditMiss H complains that Greenlight Credit Ltd (trading as Varooma) lent to her in an irresponsible manner. background The background to this complaint was set out in the provisional decision I issued in February 2021. An extract from this is attached and forms part of this final decision, so... (5 pages)View decision -
Decision Reference DRN7669486
2 Jun 2017 Evergreen Finance London Ltd UpheldBanking and creditMr C has complained about loans granted to him by Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat” or “the lender”).backgroundThe background to the complaint was set out in my provisional decision dated 28 April 2017, a copy of which is attached ... (4 pages)View decision -
Decision Reference DRN-3315546
1 Mar 2022 XTB Limited Not upheldInvestmentsDRN-3315546 The complaint Mr T complains that XTB Limited failed to protect him from incurring significant losses on his trading account. He feels it should have recognised that he’d developed a problem and taken steps to restrict his account. What happened Mr T opened his Contracts for Di... (4 pages)View decision -
Decision Reference DRN-4169691
7 Feb 2024 IG Index Limited Not upheldInvestmentsDRN-4169691 The complaint Mr P complains that IG Index Limited trading as IG allowed him to open a spread-betting account despite him asking it to prevent him from doing so some years before. He says he suffered financial losses as a result. What happened Mr P has had a spread-betting acco... (4 pages)View decision -
Decision Reference DRN-3680453
12 Oct 2022 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-3680453 The complaint Miss C complains that Shop Direct Finance Company Limited (“Shop Direct”), provided her with a catalogue shopping account that she could not afford, and continued to increase her credit limit when it shouldn’t have. What happened In January 2013 Shop Direct approv... (2 pages)View decision -
Decision Reference DRN-1778548
31 Mar 2021 Everyday Lending Limited Not upheldConsumer CreditDRN-1778548 The complaint Mr B says Everyday Lending Limited (ELL) was irresponsible to offer him a loan. What happened Mr B says he applied by phone for a £10,000 loan to consolidate his existing debts in April 2019. ELL asked him to visit a branch to sign the paperwork and bring in recen... (2 pages)View decision -
Decision Reference DRN-1489631
13 May 2020 Elevate Credit International Limited UpheldConsumer CreditDRN-1489631ComplaintMr W says Elevate Credit International Limited (trading as “Sunny”) irresponsibly provided him with a number of high-cost short-term credit instalment loans. BackgroundThis complaint is about twelve high-cost short-term credit instalment loans that Sunny provided to Mr ... (2 pages)View decision -
Decision Reference DRN-4250233
9 Nov 2023 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4250233 The complaint Mr C complains Tesco Personal Finance PLC trading as Tesco Bank irresponsibly lent to him when providing him with a credit card. What happened My understanding is Mr C applied for a Tesco credit card in April 2022, and he was given a credit limit of £3,850. He say... (2 pages)View decision
