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 DRN3580495
30 Nov 2018 Bank of Scotland Plc Not upheldBanking and creditMr H and Miss W complain that Bank of Scotland plc, trading as Halifax, didn’t review their financial situation or provide assistance when they approached the bank for help in previous years. They would like Halifax to write off, or reduce their overdraft.backgroundMr H... (3 pages)View decision -
Decision Reference DRN8460144
13 May 2020 Valour Finance Limited UpheldBanking and creditMiss J says Valour Finance Limited trading as Savvy irresponsibly lent to her.backgroundThis complaint is about a loan Savvy provided to Miss J in August 2018.Miss J took out the loan for £1,500. This was repayable over a fifteen-month period and cost Miss J £200 per month. The total charg... (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 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 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 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 DRN-2755763
24 May 2021 Valour Finance Limited Not upheldConsumer CreditDRN-2755763 The complaint Mr W complains that Valour Finance Limited (trading as Savvy.co.uk) didn’t do enough checks before agreeing to lend to him and so the lending was irresponsible. What happened Mr W borrowed £1,200 from Savvy on 26 May 2020. The loan was due to be repaid by 12 month... (3 pages)View decision -
Decision Reference DRN-2695210
22 Apr 2021 Western Circle Ltd Not upheldConsumer CreditDRN-2695210 The complaint Mr M complains that Western Circle Ltd trading as Cashfloat and paydayloansnet (PDNET) lent to him irresponsibly. What happened Mr M says that he was very badly in debt at the time he applied for the two loans with Western Circle. Using information from Western C... (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-3722035
27 Sep 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3722035 The complaint Mrs B complains that NewDay Ltd irresponsibly gave her an Amazon Mastercard credit card account that she couldn’t afford. For simplicity I will refer to the business as ‘NewDay’. What happened On 2 April 2020, Mrs B applied for a credit account with NewDay. She wa... (3 pages)View decision