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 5478 results
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Decision Reference DRN-4605109
27 Mar 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4605109 The complaint Mr L has complained Lloyds Bank Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened In 2023 Mr L was told by Lloyds that they were closing his account. They also lodged a fraud-related marker on his record with CIFAS... (2 pages)View decision -
Decision Reference DRN8621913
6 Mar 2018 Active Securities Limited Not upheldBanking and creditMr H complains that Active Securities Limited (trading as 247 Money Box) didn’t carry out proper affordability checks and irresponsibly granted him unaffordable payday loans. He says he was trapped in spiral of debt and sometimes had to borrow from other payday lender... (2 pages)View decision -
Decision Reference DRN8808445
3 Oct 2014 Barclays Bank Plc Not upheldBanking and creditMr T complains that Barclays Bank Plc has mis-sold two loan agreements to him. He wants Barclays to write off the money owed by him as a result. He also wants his adverse credit ratings removed.background Mr T applied for a loan in May 2012. He says Barclays told him that a loan could n... (2 pages)View decision -
Decision Reference DRN-2753071
13 May 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2753071 The complaint Miss M complains that NewDay Ltd irresponsibly allowed her to open two credit card accounts which were unaffordable. What happened Miss M says she opened two NewDay accounts. The first was opened in 2014 and credit limit increases were applied until the account wa... (2 pages)View decision -
Decision Reference DRN-5763032
3 Sep 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5763032 The complaint Mr H complains that Clydesdale Bank Plc rejected a payment into his account and that it did not tell him that it had done so. The bank trades in this case under its Virgin Money brand. What happened Mr H had an account with an online gambling business, which I’... (2 pages)View decision -
Decision Reference DRN-2979008
8 Sep 2021 Bank of Scotland Plc UpheldBanking and PaymentsDRN-2979008 The complaint Mr M has complained that Bank of Scotland plc (“BOS”) trading as Halifax continued charging him excessive amounts for his overdraft when he was in financial difficulty. What happened Mr M has complained about unaffordable lending relating to overdraft increases. H... (2 pages)View decision -
Decision Reference DRN-3369300
26 Apr 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3369300 Complaint Ms H is unhappy that Barclays Bank UK PLC hasn’t refunded multiple transactions from her account that she says were fraudulent. Background In June 2020, Ms H received three substantial payments from the Department for Work and Pensions. The total value of those three ... (2 pages)View decision -
Decision Reference DRN1955372
10 Oct 2018 Provident Personal Credit Limited Not upheldBanking and creditMr F complains that Provident Personal Credit Limited (“Provident”) lent to him irresponsibly. backgroundMr F took out two loans with Provident in 2012. One for £300 in March was settled a few months later but he took another loan out in September for £500 and this ... (2 pages)View decision -
Decision Reference DRN2918012
10 May 2017 Instant Cash Loans Limited UpheldBanking and creditMr M’s complained about a number of short term loans that he took out with Instant Cash Loans Limited (trading as “The Money Shop”). He’s said these loans were unaffordable and the correct affordability checks would’ve shown this.backgroundI attach my provisional deci... (5 pages)View decision -
Decision Reference DRN9574487
15 Jun 2015 Nationwide Building Society UpheldBanking and creditMr F complains that Nationwide Building Society unfairly re-debited his account with a fraudulent transaction, taking him overdrawn and causing him financial difficulty. backgroundMr F had a current account with Nationwide. He noticed three card transactions on his accoun... (2 pages)View decision