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 4967 results
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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 DRN1125653
29 Mar 2021 Everyday Lending Limited Not upheldBanking and creditIn summary, Mr D has complained that Everyday Lending Limited (ELL) provided him with a loan that he wasn’t able to afford. background In April 2018 ELL provided Mr D a loan for £3,000 repayable over two years. It was a high interest loan with an interest rate of 127.1% APR. The total char... (5 pages)View decision -
Decision Reference DRN-4770008
29 Apr 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4770008 The complaint Mr H complains that Barclays Bank UK Plc failed to block his transactions to a crypto currency firm that he was using to gamble, despite telling Barclays he had a gambling addiction. What happened I sent the parties a provisional decision in March 2024, in which I... (4 pages)View decision -
Decision Reference DRN-3778939
19 Jan 2023 Equifinance Limited Not upheldMortgagesDRN-3778939 The complaint Mr B’s complaint is that Equifinance Limited’s decision to lend to him was irresponsible. This is because it didn’t have concerns about the fact that he gambled at the time the application was approved, and it didn’t complete any further checks for changes in his ... (3 pages)View decision -
Decision Reference DRN-3856993
14 Dec 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3856993 The complaint Mr S is unhappy that Santander UK Plc won’t refund him for transactions he says he didn’t authorise. What happened Between April and September 2021, there were 35 payments made from Mr S’ bank account to an online gambling company totalling £23,632. Mr S reported ... (4 pages)View decision -
Decision Reference DRN-3859842
15 Dec 2022 Progressive Money Limited UpheldConsumer CreditDRN-3859842 The complaint Mr L complains about a loan granted to him by Progressive Money Limited (“PML”). He says PML were irresponsible to have lent to him at that time. What happened PML agreed a loan for Mr L in October 2018. The loan was for £15,000 to be repaid in monthly instalments... (4 pages)View decision -
Decision Reference DRN-5494579
28 Apr 2025 HSBC UK Bank Plc Not upheldConsumer CreditDRN-5494579 The complaint Mr S complains that HSBC UK Bank Plc was irresponsible in its lending to him He wants all interest and charges he has paid refunded, and the loans removed from his credit file. What happened Mr S was provided with three loans by HSBC, the details of which are s... (4 pages)View decision -
Decision Reference DRN0780667
31 Jan 2020 Bank of Scotland Plc Not upheldBanking and creditMr S has complained Bank of Scotland plc, trading as Halifax, won’t refund him for over 550 transactions he didn’t make.backgroundMr S made four complaints in 2019 about transactions on his Halifax account which he says he didn’t make. All of these transactions were gambling transactions a... (3 pages)View decision -
Decision Reference DRN0544499
22 Apr 2015 MBNA Limited Not upheldBanking and creditMr O complains that MBNA Limited is holding him responsible for a debt he says isn’t his. The debt came about after a number of credits and debits were made to his credit card account. Mr O wants MBNA to put his account right and remove any damaging information... (3 pages)View decision -
Decision Reference DRN1269679
8 Oct 2019 Barclays Bank UK PLC Not upheldBanking and creditMr M complains that Barclays Bank UK PLC trading as Barclaycard irresponsibly increased the credit limit on his credit card account to a level that was unaffordable.backgroundMr M says Barclaycard irresponsibly increased his credit card limit and ignored his ability to repay the debt and h... (3 pages)View decision
