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 DRN-3141894
15 Dec 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3141894 The complaint Mr S complains about the level of support provided by Barclays Bank UK PLC trading as Barclaycard (Barclaycard) when he got in to financial difficulties. What happened What Mr S says Mr S says that he has a Barclaycard and that over the years his credit limit and ... (3 pages)View decision -
Decision Reference DRN-4649965
15 Apr 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4649965 The complaint Miss S complains about the overdraft charges on her two current accounts with Bank of Scotland plc, trading as Halifax. What happened Miss S has two current accounts with Halifax. 1 One of those has an arranged overdraft limit of £6,200, and the other originally h... (4 pages)View decision -
Decision Reference DRN-2312241
19 Jan 2021 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-2312241 The complaint Mr and Mrs G have complained that Bank of Scotland PLC trading as Halifax (“Halifax”) declined Mr G’s deposits to an online gambling site - which stopped him placing a winning bet. What happened Mr G enjoys playing roulette online. He funds this by making payment... (3 pages)View decision -
Decision Reference DRN3263958
22 Jan 2020 The Royal Bank of Scotland Plc Not upheldBanking and creditMr M complains The Royal Bank of Scotland Plc gave him a large overdraft facility in October 2017 even though he’d previously exceeded his overdraft limit on a number of occasions.backgroundMr M says he’d exceeded his overdraft limits in June, July, August and September 2017 and it should’... (2 pages)View decision -
Decision Reference DRN0560862
26 Feb 2019 Capital One (Europe) plc Not upheldBanking and creditMr T complains that Capital One (Europe) plc irresponsibly lent to him by increasing the credit limit on his credit card with them when he was already over his limit. He doesn’t think they should’ve done this. He also complains about charges applied to his account... (3 pages)View decision -
Decision Reference DRN-3202019
19 Apr 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3202019 The complaint Mr N has complained that Bank of Scotland plc trading as Halifax (“Halifax”) provided an overdraft to him that was unaffordable. What happened Mr N held a current account with Halifax which had an overdraft attached to it. In November 2018, Halifax approved an app... (4 pages)View decision -
Decision Reference DRN-3050939
11 Mar 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3050939 The complaint Mr W is unhappy that Everyday Lending Limited trading as Everyday Loans provided him with a loan when he couldn’t afford it. He’s also unhappy with how Everyday Loans dealt with things after he’d let it know he was experiencing financial difficulties. What happene... (4 pages)View decision -
Decision Reference DRN-4938066
1 Aug 2024 Nationwide Building Society UpheldBanking and PaymentsDRN-4938066 The complaint Mrs B complains that Nationwide Building Society didn’t take action when her activity changed significantly on her account, and she entered a period of compulsive spending and gambling. What happened Mrs B explained that due to the medication she was taking she... (4 pages)View decision -
Decision Reference DRN-3162998
19 Nov 2021 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-3162998 The complaint Mr H complains that Tesco Personal Finance PLC (“TPF”) irresponsibly gave him a loan and an increase to his credit card limit. He feels this added to his difficulty dealing with a gambling addiction. What happened Mr H’s credit card from TPF began in 2011, with a ... (4 pages)View decision -
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
