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 DRN3696088
7 May 2019 Casheuronet UK LLC Not upheldBanking and creditMr B complains that CashEuroNet UK LLC (CEN) was irresponsible in lending him money and it telling him it had defaulted one loan.backgroundMr B has had three loans from CEN. One for £300 taken out on 14 March 2015 was repayable in twelve monthly instalments of £45.03... (3 pages)View decision -
Decision Reference DRN5638729
21 Mar 2019 NewDay Ltd Not upheldBanking and creditMr R complains that NewDay Ltd acted irresponsibly when they approved his application for a second credit card account. To put things right he wants them to refund him the interest and charges that were applied to the account when he later missed some payments.backgroun... (2 pages)View decision -
Decision Reference DRN7736693
23 Feb 2018 Provident Personal Credit Limited Not upheldBanking and creditMr K complains that Provident Personal Credit Limited (Provident) have been irresponsible in lending to him.backgroundMr K took a loan with Provident in December 2016 for £700 repayable over 52 weeks. He didn’t make any weekly payments but repaid it in full in February... (3 pages)View decision -
Decision Reference DRN-3506353
30 May 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3506353 The complaint Mr P’s complaint is about Barclays Bank UK PLC (trading as Barclaycard) not refunding payments he made on an online casino website. What happened The circumstances of this complaint are well known to both parties, so I will not repeat them all again here in detail... (3 pages)View decision -
Decision Reference DRN-4972299
2 Sep 2024 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-4972299 Complaint Mr P complains that BMW Financial Services (GB) Limited (trading as “Alphera” Financial Services) unfairly entered into a hire purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable and he shouldn’t have been lent to. ... (4 pages)View decision -
Decision Reference DRN9468873
27 Aug 2019 Oakbrook Finance Limited Not upheldBanking and creditMr D complains that Oakbrook Finance Limited trading as Likely Loans irresponsibly lent him money which was unaffordable.backgroundMr D took out the loan in 2016 and says he told Likely Loans that he had gambling transactions recorded on his bank statement. He says he was encouraged to app... (3 pages)View decision -
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-4851412
13 Jun 2024 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-4851412 The complaint Mr Y complains that Moneybarn No. 1 Limited (Moneybarn) irresponsibly entered into a conditional sale agreement with him. What happened In May 2018 Moneybarn provided Mr Y with finance to purchase a used car. The car cost £7,300 and Mr Y paid a deposit of £300. He... (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
