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-1794289
1 Jun 2020 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-1794289 The complaint Mr H complains that The Royal Bank of Scotland Plc won't refund a series of payments made on the same day to two different online gambling businesses. He says he neither made the payments himself nor authorised anyone else to do so. What happenedIn April 2019... (3 pages)View decision -
Decision Reference DRN-3080405
22 Dec 2021 Bank of Scotland Plc UpheldConsumer CreditDRN-3080405 The complaint Mrs G, on behalf of Mr G, has complained that Bank of Scotland Plc trading as Halifax (“Halifax”) irresponsibly lent £7,000 to Mr G, which he then spent on gambling. Throughout my decision I’ll refer to Mr G, although this also refers to anything Mrs G said on Mr ... (3 pages)View decision -
Decision Reference DRN-5118539
14 Feb 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5118539 The complaint Mr F complains that Lloyds Bank PLC (Lloyds) is refusing to refund him the amount he says he lost as the result of a scam. Mr F is being represented by a third party. To keep things simple, I will refer to Mr F throughout my decision. What happened The backgrou... (3 pages)View decision -
Decision Reference DRN-3051534
17 Nov 2021 Everyday Lending Limited UpheldConsumer CreditDRN-3051534 The complaint Mr W has complained about a loan granted to him by Everyday Lending Limited, trading as Everyday Loans, (“ELL”), which he said was unaffordable. What happened ELL agreed a loan for Mr W on 26 May 2018. The loan was for £5,000 and was repayable by 24 monthly payme... (6 pages)View decision -
Decision Reference DRN-4580384
31 May 2024 Fairscore Ltd UpheldConsumer CreditDRN-4580384 The complaint Mr H has complained that Fairscore Ltd trading as Updraft, acted irresponsibly when it approved him for nine different loans over a 13-month period. Background Mr H applied for nine loans with Updraft between January 2022 and February 2023. He was approved for eac... (3 pages)View decision -
Decision Reference DRN-2597778
19 Feb 2021 UK Credit Limited Not upheldConsumer CreditDRN-2597778 Complaint Mr V has complained about a guarantor loan UK Credit Limited (“UK Credit”) provided to him. He says his credit report would have shown he had recent payday loans and his bank statements would have shown he had a gambling problem. So UK Credit shouldn’t have lent to hi... (7 pages)View decision -
Decision Reference DRN1378560
20 Feb 2014 HSBC Bank plc Not upheldBanking and creditMr G complains that HSBC Bank Plc should have realised that he had a problem with gambling in the form of compulsive share trading, and should have taken more decisive steps to restrict his account. He also complains that HSBC unreasonably used his salary payment to offset his debt, le... (3 pages)View decision -
Decision Reference DRN1272641
20 Mar 2015 HSBC Bank plc Not upheldBanking and creditMr N deposited a very large sum with HSBC Bank Plc and complains he did not have the easy access to the funds he was promised and that an overdraft was provided even though he instructed the bank he didn’t want one.backgroundAfter making a large deposit into an H... (3 pages)View decision -
Decision Reference DRN-3323980
15 Mar 2022 Santander UK Plc UpheldConsumer CreditDRN-3323980 The complaint Miss S has complained that Santander UK Plc (Santander) acted irresponsibly when it provided her with three loans between 2012-2014. Background Miss S applied for, and was granted, threes loans from Santander in 2012, 2013 and 2014. She has said that all three loa... (3 pages)View decision -
Decision Reference DRN-3490275
9 Aug 2022 Progressive Money Limited UpheldConsumer CreditDRN-3490275 The complaint Miss N complains that Progressive Money Limited (PML), lent to her irresponsibly. What happened Using information from PML then it seems that Miss N was approved for a loan which commenced 7 December 2017. It was for £3,900 of which £2,481 was used to pay off anot... (7 pages)View decision
