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 DRN8487753
13 Sep 2019 Greenlight Credit Ltd UpheldBanking and creditMr W complains that Greenlight Credit Ltd trading as Varooma was irresponsible when it provided him with a logbook loan in August 2017.backgroundMr W applied for a logbook loan with Varooma in August 2017. He borrowed £1,400 which was repayable over two years with monthly payments of £151.... (4 pages)View decision -
Decision Reference DRN7674223
20 Sep 2017 Barclays Bank Plc Not upheldBanking and creditMr R complains that he’s been the victim of fraud and that Barclays Bank Plc is holding him responsible for some transactions he says he didn’t make. He also complains that the bank has closed his account.backgroundMr R says in 2016 he opened several accounts with ... (5 pages)View decision -
Decision Reference DRN-3615902
2 Sep 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3615902 The complaint Mr G complains about the way that NewDay Ltd dealt with his applications for credit cards and the dealings with his accounts. What happened Mr G applied for three credit cards with NewDay, along with a number of credit limit increases over the course of three and ... (4 pages)View decision -
Decision Reference DRN-1523210
7 Jun 2020 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-1523210 The complaintMiss B complains that Tesco Personal Finance PLC trading as Tesco Bank irresponsibly allowed her to open four credit card accounts. What happenedMiss B says Tesco allowed her to open four credit card accounts from 2014 to 2019 that were unaffordable. She says she w... (2 pages)View decision -
Decision Reference DRN4475243
22 Sep 2017 Avantcredit Of Uk, Llc Not upheldBanking and creditMrs L complains that AvantCredit of UK, LLC (“AvantCredit) ought not to have lent to her.our initial conclusionsOur adjudicator didn’t recommend upholding Mrs L’s complaint. She didn’t think AvantCredit had acted incorrectly in lending to Mrs L.Mrs L rejected this reco... (2 pages)View decision -
Decision Reference DRN7933005
5 May 2017 The Royal Bank of Scotland Plc Not upheldBanking and creditMr K’s complaint is that The Royal Bank of Scotland Plc (“RBS”) won’t refund him for unauthorised transactions made from his account to gambling websites.backgroundMr K’s complained to RBS that around £71,000 was taken from his account (largely in June 2015) and paid ... (2 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 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 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 -
Decision Reference DRN-3930374
23 Feb 2024 CMC Spreadbet Plc Not upheldInvestmentsDRN-3930374 The complaint Mr T complains that CMC Spreadbet Plc ignored warnings he had a gambling addiction while incentivising him to continue betting. He says that among other things it also allowed him to fund his betting with credit, manipulated markets and provided different pricing ... (4 pages)View decision
