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 5162 results
-
Decision Reference DRN-2158925
22 Jan 2021 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-2158925 The complaint Mr E complains that he has been charged cash advance fees in error by Clydesdale Bank Plc trading as Virgin Money. What happened In April this year, Mr E made several transfers to his partner’s account from his Virgin Money credit card using a third-party payment ... (3 pages)View decision -
Decision Reference DRN-5230828
18 Mar 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY UpheldBanking and PaymentsDRN-5230828 The complaint Mr E complains that National Westminster Bank Plc (“NatWest”), lent to him irresponsibly by increasing his overdraft limit without carrying out proper affordability checks. What happened In December 2023 NatWest approved an increase in Mr E’s overdraft limit fr... (3 pages)View decision -
Decision Reference DRN9663799
11 Apr 2019 Tesco Personal Finance PLC Not upheldBanking and creditMs B complains that Tesco Personal Finance Plc trading as Tesco Bank (Tesco) charged her a transaction fee and additional interest when she used her credit card for a purchase. She says the fee should only have applied to cash withdrawals and she hadn’t been charge... (3 pages)View decision -
Decision Reference DRN-2831555
9 Aug 2021 Oakbrook Finance Limited Not upheldConsumer CreditDRN-2831555 The complaint Miss B complains that Oakbrook Finance Limited trading as Likely Loans (Likely Loans) provided lending to her which was unaffordable and irresponsible. She says that she had significant debt at the time of the lending. What happened In January 2017 Miss B applied ... (3 pages)View decision -
Decision Reference DRN-4035400
21 Nov 2023 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-4035400 The complaint Mr F complains that National Westminster Bank Plc (NatWest) won’t refund the money he lost when he fell victim to a scam. What happened Mr F was looking into cryptocurrency when he was contacted via social media about an investment opportunity. Unfortunately, the ... (3 pages)View decision -
Decision Reference DRN6014107
6 Jun 2017 HSBC Bank plc Not upheldBanking and creditMr L complains that HSBC Bank Plc charged him for the use of an overdraft facility he never agreed to, and didn’t tell him that it would put markers on his credit file if he didn’t repay his overdraft balance.backgroundWhen Mr L was a child, his father opened ... (3 pages)View decision -
Decision Reference DRN0834424
30 Nov 2018 HSBC Bank plc Not upheldBanking and creditMr M complains that HSBC Bank Plc lent irresponsibly to him when it approved a personal loan. backgroundMr M says he applied for a loan during 2015 which HSBC originally declined. But when he later made enquiries in branch the loan was approved. He says this was ir... (3 pages)View decision -
Decision Reference DRN6266385
1 Jul 2014 HSBC Bank plc Not upheldBanking and creditMr C complains that HSBC Bank Plc is holding him responsible for a debt arising from some disputed transactions on his account. The bank has closed Mr C’s account and recorded adverse information on his credit record. Mr C says he is the victim of fraud and wants HSBC to provide him wit... (2 pages)View decision -
Decision Reference DRN9616858
25 Aug 2016 MEM Consumer Finance Limited Not upheldBanking and creditMs C complains that MEM Consumer Finance Limited (trading as Payday UK) made loans to her without checking that she could afford them.background Ms C took a total of five payday loans from Payday UK between February and September 2012. She believes it lent irresponsib... (3 pages)View decision -
Decision Reference DRN-4937895
14 Aug 2024 Salad Finance Limited Not upheldConsumer CreditDRN-4937895 The complaint Mr M complains that Salad Finance Limited lent to him irresponsibly. What happened Mr M took one loan in November 2023 for £500. The monthly repayment cost was £57.52 for 12 months. The total to repay including interest was £689.58. After Mr M had complained S... (3 pages)View decision
