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 DRN5909013
30 Nov 2017 The Royal Bank of Scotland Plc UpheldBanking and creditMr S complains that The Royal Bank of Scotland Plc acted irresponsibly when it gave him a loan in March 2013.backgroundMr S told us that he is a gambler. He no longer gambles, but he was gambling in early 2013, when he applied to RBS for a loan for £18,000. He also ... (4 pages)View decision -
Decision Reference DRN2418321
26 Jan 2017 MBNA Limited Not upheldBanking and creditMr P’s unhappy about some cash advance fees MBNA Limited’s applied to his credit card account. He says the transactions concerned weren’t for cash and the charges applied are unfair. He wants a refund.backgroundMBNA said in its final response that the account’s terms... (1 page)View decision -
Decision Reference DRN-2189218
20 Nov 2020 Metro Bank PLC Not upheldBanking and PaymentsDRN-2189218 The complaint Mr S has complained that Metro Bank PLC won’t refund him for disputed transactions he didn’t make or authorise. What happened Mr S has a current account with Metro and several online gambling accounts . Between 29 August 2019 and 2 September 2019 Mr S’s debit card... (4 pages)View decision -
Decision Reference DRN-3480995
13 Jun 2022 Bank of Ireland (UK) Plc Not upheldConsumer CreditDRN-3480995 The complaint Mr M complains that Bank of Ireland (UK) Plc lent to him irresponsibly. What happened In May 2020, Mr M took out a loan for £5,000 with Bank of Ireland. The loan was to be repaid over 24 months with repayments set at £246.20 a month. In July 2020, Mr M took out a ... (3 pages)View decision -
Decision Reference DRN6291851
29 Jan 2016 Barclays Bank Plc Not upheldBanking and creditMiss B complains that Barclays Bank Plc allowed 15 unusual looking payments to a gambling account, for a total value of £40,300, in February 2012. Miss B says the gambling account was not in her name and she did not make or authorise the payments.backgroundOur adjudic... (4 pages)View decision -
Decision Reference DRN4599149
5 Nov 2018 MBNA Limited Not upheldBanking and creditMr P complains about MBNA Limited (“MBNA”) and irresponsible lending in relation to a credit limit increase. He wants MBNA to refund to him all interest and charges and to remove references to late payments or defaults. backgroundMr P has held a credit card with MBN... (2 pages)View decision -
Decision Reference DRN-3625338
23 Feb 2023 Spreadex Limited Not upheldInvestmentsDRN-3625338 The complaint Mr B complains to Spreadex Limited that he shouldn’t have been allowed to continue trading in his spread betting account as he was vulnerable, and this led to the losses he incurred. What happened Mr B opened a spread betting account with Spreadex Limited and was ... (3 pages)View decision -
Decision Reference DRN-2775240
23 Apr 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2775240 The complaint Mr S complains about NewDay Ltd (“NewDay”) for credit limit increases which were offered to him on his Aqua and Marbles cards. He believes that these increases were irresponsible as he had substantial other debt and he had high spending on gambling on his cards. H... (4 pages)View decision -
Decision Reference DRN6984967
8 Nov 2018 Nationwide Building Society UpheldBanking and creditMr W complains that Nationwide Building Society irresponsibly gave him a loan in December 2016 which he was unable to repay. This complaint is brought by Mr W’s sister Miss W.backgroundMr W says he was in a vulnerable position when he applied for the loan on 26 Dec... (3 pages)View decision -
Decision Reference DRN9648975
1 Aug 2018 Casheuronet UK LLC UpheldBanking and creditMr D says CashEuroNet UK LLC, trading as Quick Quid, lent to him irresponsibly. He says that the loans were not affordable and that Quick Quid didn’t carry out proper checks on his income and expenditure. Mr D adds that he was stuck in a ‘debt cycle’ with multiple l... (5 pages)View decision
