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 4808 results
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Decision Reference DRN2348074
30 May 2018 Metro Bank PLC UpheldBanking and creditMr L feels that Metro Bank Plc (“Metro”) has treated him unfairly in relation to an £800 payment he made on his credit card to a binary options company.backgroundMr L accepts he made a payment of £800 on his credit card to a binary options company in order to trad... (3 pages)View decision -
Decision Reference DRN-4319391
16 Oct 2023 National Westminster Bank Plc Not upheldConsumer CreditDRN-4319391 The complaint Mr C complains that National Westminster Bank Plc (‘NatWest’) irresponsibly gave him two loans that he couldn’t afford. What happened On 10 September 2021 Mr C asked for and was given a loan for £5,000 which had a term of 24 months. The purpose of the loan was to ... (3 pages)View decision -
Decision Reference DRN3886710
13 Jul 2017 Nationwide Building Society Not upheldBanking and creditMr W has complained that Nationwide Building Society closed his account and refused to refund unauthorised transactions.backgroundIn June 2016, Mr W opened an account with an online casino. He played frequently between June and October. And he won handsomely on a few ... (3 pages)View decision -
Decision Reference DRN-3846049
9 Dec 2022 Brent Shrine Credit Union Limited Not upheldConsumer CreditDRN-3846049 The complaint Mr B says Brent Shrine Credit Union Limited, trading as My Community Bank, irresponsibly lent to him. What happened Mr B took out a 48-month loan for £10,000 on 4 September 2021. The monthly repayments were £251.14 and the total repayable was £12,381.45. Mr B repa... (3 pages)View decision -
Decision Reference DRN-4561081
15 Feb 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4561081 The complaint Mr S complains that Lloyds Bank PLC reduced the limit on his credit card on two occasions without giving prior notice. What happened Mr S holds a credit card account with Lloyds. The card was taken out many years ago, and it seems Mr S had a credit limit of £17,0... (2 pages)View decision -
Decision Reference DRN-3491412
14 Sep 2022 CMC Spreadbet Plc Not upheldInvestmentsDRN-3491412 The complaint Mr J’s complaint concerns CMC Spreadbet Plc’s trading applications. He believes they’re unfit for purpose and expose users to third party interference. What happened Mr J has wide-ranging concerns about the way in which CMC’s systems work and how this may have imp... (3 pages)View decision -
Decision Reference DRN4979557
18 Jan 2019 TSB Bank plc Not upheldBanking and creditMr W feels that TSB Bank Plc has treated him unfairly in lending to him irresponsibly on a loan and an overdraft; and the application of fees and charges applied to his account over a significant amount of time.backgroundMr W says that TSB has treated him unfairl... (2 pages)View decision -
Decision Reference DRN-5347549
10 Mar 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5347549 Complaint Mr A has complained about a credit card Capital One (Europe) plc (“Capital One”) provided to him. He says the credit card was irresponsibly provided to him as it was unaffordable. He’s also said that he was allowed to continue using the card even when his account h... (3 pages)View decision -
Decision Reference DRN-3239403
11 Feb 2022 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3239403 The complaint Mr and Mrs F are unhappy at the interest and charges HSBC Bank Plc (“HSBC”) added to their account and overdraft over the years. What happened Mr and Mrs F complained to HSBC that when facing financial difficulties’ it levied excessive charges on their account. HS... (3 pages)View decision -
Decision Reference DRN-4366108
25 Sep 2023 National Westminster Bank Plc UpheldBanking and PaymentsDRN-4366108 The complaint Mr P has complained that National Westminster Bank Plc (“NatWest”) acted irresponsibly by providing him with an overdraft. What happened Mr P held an account with NatWest and applied and was approved for an overdraft with a limit of £1,250 in October 2016. This li... (3 pages)View decision
