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-5094181
22 Oct 2024 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-5094181 The complaint Mr C has complained that Tesco Personal Finance PLC trading as Tesco Bank acted irresponsibly when it provided him with a credit card in 2017. The limit of the card was increased twice in 2018 and 2019, Mr C has said that all lending decisions made by Tesco in ... (3 pages)View decision -
Decision Reference DRN-3053351
27 Sep 2021 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3053351 The complaint Mr M has complained that Lloyds Bank Plc (“Lloyds”) irresponsibly gave him a large overdraft limit. He says that Lloyds ought to have realised he was in significant debt and that he had a gambling problem, and that he would therefore struggle to repay the overdraf... (3 pages)View decision -
Decision Reference DRN7126222
28 Feb 2020 HSBC UK Bank Plc UpheldBanking and creditMiss J complains that HSBC UK Bank plc won’t refund debit card transactions that she says she didn’t make or authorise.backgroundMiss J told HSBC that she didn’t recognise a number of transactions made online using her debit card at the end of October and beginning of November 2017. They e... (4 pages)View decision -
Decision Reference DRN2879297
2 Feb 2021 Everyday Lending Limited UpheldBanking and creditMr G complains that Everyday Lending Limited (“ELL”) lent to him in an irresponsible manner. background Mr G was given two loans by ELL in May 2014 and June 2015. The first loan, for £3,453, was due to be repaid over 18 months. But in June 2015 Mr G refinanced that loan and took some addit... (4 pages)View decision -
Decision Reference DRN1373662
1 Feb 2018 Casheuronet UK LLC UpheldBanking and creditMr M complains that CashEuroNet UK LLC, trading as Pounds to Pocket, gave him loans he couldn’t afford to repay.backgroundMr M took out the following instalment loans from Pounds to Pocket:date£ amount borroweddate repaid16 June 2013450top-up10 April 2014450top-up31 M... (3 pages)View decision -
Decision Reference DRN-3154276
10 Nov 2021 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3154276 The complaint Mr M complains HSBC UK Bank Plc irresponsibly approved him for two loans. What happened Below is intended to be a summary of what happened and does not therefore include a full timeline or list every point that has been made. Below is intended to be a summary of e... (5 pages)View decision -
Decision Reference DRN-4555430
12 Jan 2024 Danske Bank A/S Not upheldBanking and PaymentsDRN-4555430 The complaint Mr H complains that Danske Bank A/S (Danske) won’t refund money he lost in a scam. What happened What Mr H says: Mr H was on a betting website and he wanted to send money to it . He received a ‘pop up’ to what appeared to be a payment portal. But it turned out to ... (3 pages)View decision -
Decision Reference DRN2890702
30 Sep 2014 National Westminster Bank Plc UpheldBanking and creditMr U complains about a number of transactions, mostly to gambling companies, of a significantly high total value, which he denies making himself or authorising but which National Westminster Bank Plc has held him responsible for. backgroundNatWest raised chargeback claims for the trans... (3 pages)View decision -
Decision Reference DRN-4806212
30 May 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-4806212 The complaint Mr P complains that the letter Santander UK Plc sent him about activity on his account caused him distress and he wants compensation for this. What happened In March 2024, Mr P was sent a letter by Santander in about recent gambling activity on his account. He say... (2 pages)View decision -
Decision Reference DRN3629180
12 Jul 2019 Indigo Michael Limited UpheldBanking and creditMr M has complained that Indigo Michael Limited (trading as Safety Net Credit (SNC)) didn’t carry out sufficient affordability checks before granting him a Safety Net facility in 2016. Mr M also says had SNC carried out sufficient checks, it would’ve seen that he couldn’t afford it. backgr... (5 pages)View decision
