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-2765534
17 Aug 2021 TM Advances Limited UpheldConsumer CreditDRN-2765534 The complaint Mr W complains that TM Advances Limited irresponsibly lent him two loans. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. The facts are not in dispute, so I’ll focus on giving the reasons for my decisi... (2 pages)View decision -
Decision Reference DRN-3909168
26 Jan 2023 Lendable Ltd Not upheldConsumer CreditDRN-3909168 The complaint Mr S says Lendable Ltd irresponsibly lent to him. What happened Mr S took out two instalment loans from Lendable. A summary of his borrowing follows: loan taken out repaid value, £ term in months monthly repayment, £ 1 19/05/2021 22/07/2021 5,000 36 211.81 2 18/08... (4 pages)View decision -
Decision Reference DRN5450063
20 Jun 2013 National Westminster Bank Plc Not upheldBanking and creditMr K says National Westminster Bank Plc lent to him irresponsibly when he was a vulnerable adult student with a gambling addiction. backgroundThe lending took place under the bank’s ‘professional trainee loan’ scheme. This scheme was ‘aimed at helping full time students meet their study... (2 pages)View decision -
Decision Reference DRN1162503
9 Oct 2017 WDFC UK Limited UpheldBanking and creditMr J complains that WDFC UK Limited (trading as Wonga.com) lent him money when he couldn’t afford to repay it.backgroundMr J had 29 loans from Wonga as follows:Loan Date AmountDate Repaid Notes 118 Jun 2013£15701 Jul 2013219 Jul 2013£6501 Aug 2013310 Aug 2013£19430 Aug ... (3 pages)View decision -
Decision Reference DRN-4321446
9 Oct 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4321446 The complaint Miss D complains that Barclays Bank UK PLC trading as Barclaycard lent irresponsibly when it approved a credit card in her name. What happened Miss D has explained that she already held a credit card with Barclaycard when she applied for another. In the applicatio... (3 pages)View decision -
Decision Reference DRN-4773933
14 May 2024 National Westminster Bank Plc Not upheldConsumer CreditDRN-4773933 The complaint Mr P says National Westminster Bank Plc irresponsibly lent to him. What happened Mr P took out a loan on 19 September 2023 for £3,000 over 24 months. The monthly repayments were £162.40 and the total repayable was £3,897.60. Mr P says the loan was unaffordable for... (3 pages)View decision -
Decision Reference DRN-4443965
8 Nov 2023 National Westminster Bank Plc UpheldBanking and PaymentsDRN-4443965 The complaint Mr B complains that National Westminster Bank Plc (NatWest) failed to raise chargeback claims for payments he made to an online casino, preventing him from recovering them. He thinks NatWest should therefore refund him for the payments. What happened Around May 20... (6 pages)View decision -
Decision Reference DRN-3436173
1 Jun 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3436173 The complaint The estate of Mr C1 complains that Barclays Bank UK PLC failed in its duty of care to protect Mr C1 when it processed a number of gambling transactions on his behalf. Mr C1’s estate is represented by his son, Mr C2. What happened The facts of this case are well-kn... (4 pages)View decision -
Decision Reference DRN-3540834
17 Aug 2022 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-3540834 The complaint Mr L is a sole trader, trading as A. He is unhappy that Clydesdale Bank Plc (trading as Virgin Money) removed the overdraft facility from his business current account without any notice. What happened In March 2020, Mr L was granted an overdraft facility of £10,00... (3 pages)View decision -
Decision Reference DRN-4691845
29 Nov 2024 Spreadex Limited UpheldInvestmentsDRN-4691845 The complaint Mr R complains that Spreadex Limited allowed him to spread-bet when it knew or should’ve known he had a gambling addiction. This caused him to suffer significant financial losses. What happened In April 2021 Mr R opened a fixed odds betting account and a spread-... (23 pages)View decision
