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-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 DRN9909921
1 Mar 2017 National Westminster Bank Plc Not upheldBanking and creditMr P’s unhappy as he thinks National Westminster Bank Plc (“NatWest”) acted irresponsibly. He says it allowed him to continue to withdraw money from his account when he’d been told a re-payment plan was in place.backgroundIn 2011 Mr P entered in to a re-payment plan w... (3 pages)View decision -
Decision Reference DRN5472431
26 Aug 2015 Bank of Scotland Plc Not upheldBanking and creditMs T complains Bank of Scotland plc (trading as Halifax) won’t refund spending on her account. She says she didn’t make the payments – or allow anybody else to make them with her agreement.backgroundMs T had accounts with Halifax and two other banks. Between Decem... (3 pages)View decision -
Decision Reference DRN-4390956
21 Dec 2023 Metro Bank PLC UpheldBanking and PaymentsDRN-4390956 Complaint Mr G is unhappy that Metro Bank PLC (trading as RateSetter) loaded a Cifas marker against his name. Background In October 2021, Mr G applied for a loan with RateSetter. His first payment was due on 1 November 2021 but he didn’t make it. RateSetter contacted him about ... (2 pages)View decision -
Decision Reference DRN-2635905
3 Mar 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2635905 The complaint Mr W complains that the loan he had from Loans 2 Go Limited was unaffordable to him. What happened Mr W took out a fixed sum loan with Loans 2 Go on 17 May 2019. He borrowed £500 and was due to repay £114.28 monthly for 18 months, finishing on 30 October 2020. Mr ... (3 pages)View decision -
Decision Reference DRN-2679865
6 Apr 2021 Everyday Lending Limited Not upheldConsumer CreditDRN-2679865 The complaint Mr G complains that Everyday Lending Limited (trading as Everyday Loans) granted him a loan that was unaffordable for him. What happened In October 2015, Mr G took out a loan for £2,000 with Everyday Lending. The loan was to be repaid over 24 months with the repay... (2 pages)View decision -
Decision Reference DRN-3483604
16 Aug 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3483604 The complaint Miss R applied to Everyday Lending Limited for a loan in September 2021 and it was turned down. Miss R complains about that and wants compensation for the disappointment and that she had been led to believe it was going to be approved before it was refused. Miss R... (6 pages)View decision -
Decision Reference DRN2028533
25 Oct 2017 Elevate Credit International Limited UpheldBanking and creditMr H complains that Elevate Credit International Limited (trading as Sunny) gave him instalment loans he couldn’t afford. He wants a refund with interest.backgroundMr H had 20 loans from Sunny between April 2015 and February 2017. He said proper checks would have shown ... (2 pages)View decision -
Decision Reference DRN-3700689
13 Sep 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3700689 The complaint Mr B has complained that Santander UK Plc held him liable for a transaction which he says he didn’t make or otherwise authorise, and that they closed his account. What happened Both sides are most familiar with the case, so I’ll summarise things in brief. In Febru... (4 pages)View decision -
Decision Reference DRN-3087291
5 Oct 2021 Wirecard Card Solutions Limited UpheldBanking and PaymentsDRN-3087291 The complaint Mr M complains Wirecard Card Solutions Limited blocked his account and haven’t released money held in the account back to him. What happened Mr M had an account which had a card issued by Wirecard and was administered by Pockit. In July 2020, Pockit blocked Mr M’s... (2 pages)View decision
