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-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 DRN-1487301
7 Dec 2020 MBNA Limited Not upheldBanking and PaymentsDRN-1487301 The complaint Mr M complains that MBNA Ltd (MBNA) were irresponsible in approving his application for a third credit card. What happened In December 2016 Mr M applied for and obtained a credit card with MBNA. This was his third card with them, and I shall refer to it as that. M... (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-4741109
14 Jun 2024 J.P. Morgan Europe Limited Not upheldBanking and PaymentsDRN-4741109 The complaint Mr A complains that J.P. Morgan Europe Limited trading as Chase (Chase) is refusing to refund him the amount he lost as the result of what he considers a scam. What happened The background of this complaint is well known to all parties, so I won’t repeat what happ... (2 pages)View decision -
Decision Reference DRN-4350347
15 Sep 2023 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4350347 The complaint Mr B complains that Lloyds Bank PLC (“Lloyds”) failed to refund transactions he says he didn’t make from his account and that it failed to provide support after informing it of his gambling concerns. What happened The details of this complaint are well known to bo... (5 pages)View decision -
Decision Reference DRN7731962
15 Mar 2018 Western Circle Limited UpheldBanking and creditMr S complains that Western Circle Limited gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges.backgroundMr S took out eight loans with Western Circle between July 2015 and January 2017. He says Western Circle was irresponsible to... (3 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 DRN-4921078
2 Aug 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4921078 The complaint Mr F complains that Monzo Bank Ltd (“Monzo”) acted irresponsibly by providing him with a flex running credit account. What happened In May 2023 Monzo granted Mr F an increased credit limit of £5,500. Mr F says that Monzo shouldn’t have granted him the increase... (3 pages)View decision -
Decision Reference DRN6144580
30 Jul 2013 Barclays Bank Plc Not upheldBanking and creditMr B complains that Barclays Bank PLC trading as Barclaycard (“Barclaycard”) was irresponsible in allowing him to exceed his credit limit.background Mr B had drunk alcohol and had taken prescription medication when he used his credit card on an online gambling website one evening. The ... (2 pages)View decision -
Decision Reference DRN9673231
28 Sep 2016 PDL Finance Limited UpheldBanking and creditMr H complains that PDL Finance Limited trading as Mr Lender (“Mr Lender”) gave him unaffordable loans. He wants a refund of all the interest he has paid.backgroundIn my provisional decision I set out why I intended to uphold Mr H’s complaint. Mr H agreed with my p... (2 pages)View decision
