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 4944 results
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Decision Reference DRN7970282
15 Jan 2020 Bank of Ireland (UK) Plc Not upheldBanking and creditMr O has complained that Bank of Ireland (UK) Plc (‘the bank’) was wrong not to pursue a chargeback claim with an online gambling company for a large bet that Mr O says he didn’t authorise. backgroundMr O accepts he’d placed three smaller bets with the company but not the much larger one w... (2 pages)View decision -
Decision Reference DRN5465526
6 Feb 2014 Nationwide Building Society UpheldBanking and creditMrs K complains that Nationwide Building Society has held her liable for payments that were made from her account to an online gambling company. Mrs K says she did not give permission for her card details to be used to make the transactions.backgroundNationwide had sought to recover the ... (2 pages)View decision -
Decision Reference DRN-3309699
11 Mar 2022 Starling Bank Limited Not upheldBanking and PaymentsDRN-3309699 The complaint Mr P complains that Starling Bank Limited failed to raise a chargeback or refund transactions from an internationally based gambling merchant. What happened Mr P made several transactions through a foreign based merchant who offered online gambling services I’ll r... (2 pages)View decision -
Decision Reference DRN-3324399
18 Mar 2022 MBNA Limited UpheldBanking and PaymentsDRN-3324399 The complaint Mr W has complained that MBNA Limited acted irresponsibly when it provided him with two new credit cards in 2017. Background Mr W applied for, and was given, two new credit cards from MBNA in April and May 2017. He has said that at that time he was already experie... (3 pages)View decision -
Decision Reference DRN-4675132
11 Mar 2024 Bank of Scotland Plc UpheldConsumer CreditDRN-4675132 The complaint Mr O is unhappy with Halifax, who is a trading name of Bank of Scotland plc. Mr O complains Halifax lent to him irresponsibly. What happened Mr O has made several complaints to Halifax about irresponsible lending. This decision only addresses his complaint about f... (6 pages)View decision -
Decision Reference DRN-2669214
10 Mar 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2669214 Complaint Mr T is unhappy that Barclays Bank Plc is holding him liable for a series of transactions he says he didn’t authorise. Background In January and February 2020, a series of transactions were made from Mr T’s account to a gambling account that had been set up in the nam... (6 pages)View decision -
Decision Reference DRN-3867052
20 Dec 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3867052 The complaint Mr D complains Lloyds Bank PLC increased his credit card limit even though he had a gambling problem. What happened Mr D held a credit card with Lloyds, which had a £6,750 credit limit. The limit was increased to £7,750 in November 2015, then to £8,250 in August 2... (3 pages)View decision -
Decision Reference DRN-3386104
31 Mar 2022 Oplo HL Ltd UpheldMortgagesDRN-3386104 The complaint Mr and Mrs M complain that Oplo HL Ltd (then trading as 1st Stop Home Loans Limited) was irresponsible to lend to them. What happened Mr and Mrs M took out a loan of £10,000 with Oplo in early 2015. They told Oplo they intended to use the loan to repay mortgage ar... (6 pages)View decision -
Decision Reference DRN1125653
29 Mar 2021 Everyday Lending Limited Not upheldBanking and creditIn summary, Mr D has complained that Everyday Lending Limited (ELL) provided him with a loan that he wasn’t able to afford. background In April 2018 ELL provided Mr D a loan for £3,000 repayable over two years. It was a high interest loan with an interest rate of 127.1% APR. The total char... (5 pages)View decision -
Decision Reference DRN1458047
13 Sep 2013 Bank of Scotland Plc Not upheldBanking and creditMiss D complains that Bank of Scotland plc (trading as Halifax) has not refunded a number of transactions that she says she did not make or authorise.backgroundMiss D disputes four online payments made on her tablet computer to an account with a gambling website. Miss D says she went to... (2 pages)View decision
