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 4692 results
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Decision Reference DRN5909013
30 Nov 2017 The Royal Bank of Scotland Plc UpheldBanking and creditMr S complains that The Royal Bank of Scotland Plc acted irresponsibly when it gave him a loan in March 2013.backgroundMr S told us that he is a gambler. He no longer gambles, but he was gambling in early 2013, when he applied to RBS for a loan for £18,000. He also ... (4 pages)View decision -
Decision Reference DRN-5225671
3 Jan 2025 MBNA Limited Not upheldBanking and PaymentsDRN-5225671 The complaint Mr C has complained that MBNA Limited acted irresponsibly when it provided him with a credit card in March 2016. Background Mr C applied for a credit card with MBNA in March 2016. His application was approved, and he was provided with a card that had an opening... (3 pages)View decision -
Decision Reference DRN-3660173
22 Aug 2022 Bank of Scotland Plc UpheldConsumer CreditDRN-3660173 The complaint Mr N has complained that Bank of Scotland plc trading as Halifax acted irresponsibly when it provided him with a loan for £3,000 in August 2017. Background Mr N applied for the loan online in August 2017. He has said that the loan was approved very quickly, and th... (3 pages)View decision -
Decision Reference DRN6621992
11 Oct 2017 Casheuronet UK LLC UpheldBanking and creditMr H complains that CashEuroNet UK LLC (trading as Quick Quid) gave him loans that were unaffordable.backgroundMr H took out a total of 17 loans from Quick Quid between July 2012 and November 2016, and he’s repaid all the borrowing. The background to this complaint wa... (9 pages)View decision -
Decision Reference DRN8663210
29 Nov 2017 The Royal Bank of Scotland Plc Not upheldBanking and creditMr S complains that the Royal Bank of Scotland Plc (RBS) is holding him responsible for a number of transactions he didn’t make or authorise.backgroundMr S contacted RBS in April 2017 to dispute seven transactions to an online gambling business on 21 April 2017. But ... (2 pages)View decision -
Decision Reference DRN4299544
5 Jul 2017 Paysafe Financial Services Limited Not upheldBanking and creditMr O complains that Paysafe Financial Services Limited have wrongly excluded some transfers he made from the terms of a promotional cashback offer. He says that he is owed money under the terms of the promotion.background Mr O was contacted by Paysafe in relation to a pro... (2 pages)View decision -
Decision Reference DRN5546020
20 Jan 2020 NewDay Ltd Not upheldBanking and creditMr T complains that NewDay Ltd won’t refund payments made on his credit cards that he says he didn’t authorise.backgroundMr T has two credit cards with NewDay. In August and September 2018, payments were made from these accounts to two gambling companies. The total value of the payments wa... (4 pages)View decision -
Decision Reference DRN6291851
29 Jan 2016 Barclays Bank Plc Not upheldBanking and creditMiss B complains that Barclays Bank Plc allowed 15 unusual looking payments to a gambling account, for a total value of £40,300, in February 2012. Miss B says the gambling account was not in her name and she did not make or authorise the payments.backgroundOur adjudic... (4 pages)View decision -
Decision Reference DRN-2835828
19 Oct 2021 Nationwide Building Society Not upheldBanking and PaymentsDRN-2835828 The complaint Mr M is unhappy because Nationwide Building Society allowed transactions totalling almost £17,000 to leave his account which, he says, he didn’t make or otherwise authorise and it has also unfairly recorded a CIFAS marker with the National Fraud Database. What hap... (3 pages)View decision -
Decision Reference DRN-2189218
20 Nov 2020 Metro Bank PLC Not upheldBanking and PaymentsDRN-2189218 The complaint Mr S has complained that Metro Bank PLC won’t refund him for disputed transactions he didn’t make or authorise. What happened Mr S has a current account with Metro and several online gambling accounts . Between 29 August 2019 and 2 September 2019 Mr S’s debit card... (4 pages)View decision
