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 4576 results
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Decision Reference DRN6383682
20 Dec 2017 Barclays Bank Plc Not upheldBanking and creditMr D complains Barclays Bank Plc didn’t restrict and limit his spending on his current account to prevent him using his money for gambling. He thinks it could’ve done more to support him. And he thinks it shouldn’t have enabled him to gamble illegally whilst abroad.back... (3 pages)View decision -
Decision Reference DRN1275665
16 Feb 2021 Madison CF UK Limited UpheldBanking and creditMr D complains that Madison CF UK Limited trading as 118 118 Money irresponsibly lent to him. background Mr D took three loans with 118 118 Money. He says he believed 118 118 Money did enough before lending loan 1 but complains that it shouldn’t have lent him loans 2 and 3. One of our adju... (3 pages)View decision -
Decision Reference DRN0286210
29 Apr 2019 National Westminster Bank Plc Not upheldBanking and creditMr H is unhappy because he says National Westminster Bank Plc haven’t acted responsibly by lending him money and letting him use his bank accounts for gambling. backgroundMr H has explained he has a gambling addiction. He’s unhappy Nat West allowed him to use his accou... (3 pages)View decision -
Decision Reference DRN4662704
18 Dec 2017 WDFC UK Limited UpheldBanking and creditMr L complains that WDFC UK Limited trading as Wonga.com was irresponsible to lend him money that he couldn’t afford to repay.backgroundMr L took out 28 payday loans and 19 top-ups between December 2013 and February 2016. He says it was irresponsible of Wonga to agree ... (3 pages)View decision -
Decision Reference DRN4721397
18 Oct 2016 Lloyds Bank PLC Not upheldBanking and creditMr and Mrs M complain that Lloyds Bank PLC did nothing to stop Mr M from spending thousands of pounds on his gambling addiction.backgroundMr and Mrs M have a joint account with Lloyds. They are represented in this complaint by a debt advice charity.Some years ago, M... (2 pages)View decision -
Decision Reference DRN8720382
12 Feb 2021 Everyday Lending Limited UpheldBanking and creditMr C complains that Everyday Lending Limited (“ELL”) lent to him in an irresponsible manner. background Mr C was given a single loan by ELL. He borrowed £1,500 in July 2016 that he agreed to repay in 24 monthly instalments. Mr C’s complaint has been assessed by one of our adjudicators. Whi... (4 pages)View decision -
Decision Reference DRN6824033
20 Apr 2021 Bank of Scotland Plc UpheldBanking and creditMr C complains that Bank of Scotland plc, trading as Halifax (“Halifax”) should not have provided him with loans, an overdraft and a credit card over a number of years. background On 12 February 2021, I issued a provisional decision upholding this complaint. I attach a copy of that provisi... (17 pages)View decision -
Decision Reference DRN-1486133
2 Feb 2021 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-1486133 The complaint Mr A complains that Tesco Personal Finance PLC (“Tesco”) lent to him in an irresponsible manner. What happened Mr A took out an initial loan with Tesco in October 2013 for £15,000. He also opened a credit card around a year later in October 2014 with a credit limi... (3 pages)View decision -
Decision Reference DRN4528475
2 Nov 2015 Tesco Personal Finance PLC Not upheldBanking and creditMr O complains that Tesco Personal Finance PLC allowed him to use his credit card for gambling transactions even where the transactions took him over the cash advance limit on the card. He thinks Tesco should refund the transactions.backgroundMr O opened a credit car... (4 pages)View decision -
Decision Reference DRN5402041
18 Jul 2017 National Westminster Bank Plc Not upheldBanking and creditMr F’s complaint is that National Westminster Bank Plc (“Natwest”) won’t refund him for disputed transactions on his account.backgroundMr F is represented in this complaint by Mrs F, but for ease of reference I’ll only refer to Mr F throughout. In 2016 Mr F becam... (3 pages)View decision
