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
-
Decision Reference DRN3324389
9 Nov 2018 Lloyds Bank PLC Not upheldBanking and creditMr P is unhappy that Lloyds Bank PLC prevented him putting money into his online gambling account. Mr P believes that because of this he lost out on a winning bet. backgroundI issued my provisional decision, which forms part of, and is attached to, this decision on t... (4 pages)View decision -
Decision Reference DRN-4732927
6 Aug 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4732927 The complaint Mr K is complaining that Bank of Scotland plc won’t refund payments he says he made as part of a scam. He’s also unhappy with how Bank of Scotland plc dealt with things after he reported the disputed payments. What happened Mr K holds a current account with Ban... (3 pages)View decision -
Decision Reference DRN-5280930
23 Jan 2025 Madison CF UK Limited UpheldConsumer CreditDRN-5280930 The complaint Mr C complains that Madison CF UK Limited trading as 118 118 Money lent irresponsibly when it approved four loan applications he made between 2019 and 2023. What happened The background to this complaint and my initial conclusions were set out in a provisional... (4 pages)View decision -
Decision Reference DRN-4258543
21 Jul 2023 Equals Money UK Limited Not upheldBanking and PaymentsDRN-4258543 The complaint Mr K is unhappy that Equals Money UK Limited trading as Card One Money (“COM”) won’t refund money he lost to a scam. What happened Mr K used his COM card to make a series of deposits with an online casino over six months totalling around £34,000. That casino wasn’... (3 pages)View decision -
Decision Reference DRN-4327514
7 Feb 2024 Everyday Loans Limited Not upheldConsumer CreditDRN-4327514 The complaint Mr T is unhappy Everyday Loans Limited, trading as Everyday Lending, has not agreed to pay compensation for the distress and inconvenience it caused by lending to him irresponsibly. What happened Mr T took out a 24-month loan for £3,000 from ELL in May 2023. The m... (2 pages)View decision -
Decision Reference DRN-5003347
4 Sep 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-5003347 The complaint Mr H complains that Monzo Bank Ltd (“Monzo”) acted irresponsibly by providing him with an overdraft facility he says he couldn’t afford. What happened Mr H was given an overdraft with his Monzo account in April 2022. The overdraft limit was £150. Mr H complai... (3 pages)View decision -
Decision Reference DRN8114235
6 Dec 2018 Lloyds Bank PLC Not upheldBanking and creditMr C complains that Lloyds Bank PLC was irresponsible in approving multiple applications to increase his overdraft when it shouldn’t have done so. Mr C is represented by his mother in bringing this complaint. But for clarity – I’ll refer to all submissions as being... (3 pages)View decision -
Decision Reference DRN-4823937
17 Jun 2024 National Westminster Bank Plc Not upheldConsumer CreditDRN-4823937 Complaint Mr M has complained about personal loans National Westminster Bank Plc (“NatWest”) provided to him. He says that these loans were unaffordable and shouldn’t have been provided. Background NatWest provided Mr M with a first loan for £1,000.00 in June 2022. The loan had... (4 pages)View decision -
Decision Reference DRN-2940202
25 Nov 2021 The Royal Bank of Scotland Plc Not upheldConsumer CreditDRN-2940202 The complaint Mr S complains about The Royal Bank of Scotland Plc (RBS) and their decision to provide him with three loans between March 2019 and January 2020. What happened Mr S held a current account and savings account with RBS. In March 2019, RBS approved Mr S’ loan applica... (5 pages)View decision -
Decision Reference DRN-3650803
16 Aug 2022 TSB Bank plc UpheldBanking and PaymentsDRN-3650803 The complaint Mr A complains about an overdraft limit that TSB Bank plc provided to him on his bank account. He says that he had a gambling addiction and that it was irresponsible for TSB Bank plc to provide him this facility. What happened Mr A has two accounts with TSB Bank p... (5 pages)View decision
