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 DRN-3595784
26 Jul 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3595784 The complaint Mr P, through his representative, complains that Everyday Lending Limited, trading as Everyday Loans, lent to him irresponsibly. What happened Using information we have from Everyday Lending, here is a brief table of the three loans approved for Mr P. Loan Date op... (3 pages)View decision -
Decision Reference DRN9665915
12 Nov 2015 Santander UK Plc Not upheldBanking and creditMr S complains that Santander UK Plc will not credit his account with the value of transactions which he says he should not be responsible for.backgroundThe transactions that Mr S is concerned about were made by his former partner and to online gambling companies. I... (3 pages)View decision -
Decision Reference DRN-4675132
11 Mar 2024 Bank of Scotland Plc UpheldConsumer CreditDRN-4675132 The complaint Mr O is unhappy with Halifax, who is a trading name of Bank of Scotland plc. Mr O complains Halifax lent to him irresponsibly. What happened Mr O has made several complaints to Halifax about irresponsible lending. This decision only addresses his complaint about f... (6 pages)View decision -
Decision Reference DRN6288627
11 Sep 2017 Bank of Scotland Plc Not upheldBanking and creditMr B complains Bank of Scotland plc trading as Halifax (“Halifax”) gave him an unaffordable overdraft limit.backgroundBetween 30 November 2015 and 11 January 2016 Mr B made a number of online applications to increase the overdraft on his Halifax account to a limit of £... (2 pages)View decision -
Decision Reference DRN-2669214
10 Mar 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2669214 Complaint Mr T is unhappy that Barclays Bank Plc is holding him liable for a series of transactions he says he didn’t authorise. Background In January and February 2020, a series of transactions were made from Mr T’s account to a gambling account that had been set up in the nam... (6 pages)View decision -
Decision Reference DRN-3324399
18 Mar 2022 MBNA Limited UpheldBanking and PaymentsDRN-3324399 The complaint Mr W has complained that MBNA Limited acted irresponsibly when it provided him with two new credit cards in 2017. Background Mr W applied for, and was given, two new credit cards from MBNA in April and May 2017. He has said that at that time he was already experie... (3 pages)View decision -
Decision Reference DRN1655777
25 Jan 2017 Tesco Personal Finance PLC Not upheldBanking and creditMr F complains that Tesco Personal Finance PLC (Tesco Bank) lent him money irresponsibly and didn’t take account of his financial and health problems.backgroundTesco Bank approved a loan for Mr F in December 2014 and allowed him to have a number of increases in his o... (3 pages)View decision -
Decision Reference DRN-3386104
31 Mar 2022 Oplo HL Ltd UpheldMortgagesDRN-3386104 The complaint Mr and Mrs M complain that Oplo HL Ltd (then trading as 1st Stop Home Loans Limited) was irresponsible to lend to them. What happened Mr and Mrs M took out a loan of £10,000 with Oplo in early 2015. They told Oplo they intended to use the loan to repay mortgage ar... (6 pages)View decision -
Decision Reference DRN-3310715
15 Mar 2022 Lloyds Bank PLC Not upheldConsumer CreditDRN-3310715 The complaint Mr S complains that Lloyds Bank PLC (“Lloyds”) has treated him unfairly in relation to a loan. What happened The background of this complaint is well known to all parties, so I’ve summarised events. Mr L took out a loan online with Lloyds in December 2019. The lo... (2 pages)View decision -
Decision Reference DRN1325995
11 Oct 2019 Santander UK Plc Not upheldBanking and creditMiss W complains about Santander UK Plc’s (“Santander”) response and approach when she exceeded her overdraft limit. backgroundMiss W came to us as she was unhappy with the response from Santander to her concerns about the way her account was managed. She asked them to remove or backdate t... (3 pages)View decision
