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-4527975
18 Jan 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4527975 The complaint Mr S complains that NewDay Ltd was irresponsible in its lending to him. What happened Mr S first raised his complaint in 2019 and says that he didn’t receive a response from NewDay at that time and when he raised this again NewDay said it wouldn’t reopen his compl... (3 pages)View decision -
Decision Reference DRN-3952327
2 Mar 2023 Salad Finance Limited Not upheldConsumer CreditDRN-3952327 The complaint Mr R complains that Salad Finance Limited trading as Salad Money lent to him irresponsibly. What happened Mr R applied for a loan from Salad Money in February 2022. The loan was for £1000 repayable over 17 months by monthly instalments of £84.92. The total sum rep... (2 pages)View decision -
Decision Reference DRN-4579975
25 Jan 2024 MBNA Limited UpheldBanking and PaymentsDRN-4579975 The complaint Mr C complains that MBNA Limited lent irresponsibly when it approved his credit card application and went on to increase the credit limit. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: Mr... (3 pages)View decision -
Decision Reference DRN7368923
17 May 2013 National Westminster Bank Plc Not upheldBanking and creditMiss K says she did not make or authorise certain transactions totalling more than £7,000 to an online gambling site in late December 2010. background National Westminster Bank plc did not accept Miss K’s argument but it did agree it had not dealt well with her complaint and paid her £... (1 page)View decision -
Decision Reference DRN-3661759
29 Dec 2022 eToro (UK) Ltd Not upheldInvestmentsDRN-3661759 The complaint Mr B complains that eToro (UK) Ltd allowed him to open a CFD trading account without sufficient checks and to continue trading despite large losses and signs he had a gambling problem. What happened Mr B opened his trading account with eToro in February 2021. He c... (2 pages)View decision -
Decision Reference DRN4395901
31 Dec 2018 Barclays Bank UK PLC Not upheldBanking and creditMr M complains that Barclays Bank Plc (trading as “Barclaycard”) acted irresponsibly when it granted him his credit card. He says he had a gambling addiction and that should have been apparent if Barclaycard had looked at his previous card he’d held.background to the comp... (2 pages)View decision -
Decision Reference DRN-2856553
16 Jun 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-2856553 The complaint Mr S has complained that Lloyds Bank PLC (“Lloyds”) acted irresponsibly by approving him for two overdrafts with a limit of £4,000 each without carrying out proper checks. What happened Mr S held a bank account with Lloyds. On 2 February 2018 Mr S applied on-line ... (3 pages)View decision -
Decision Reference DRN-5039104
18 Nov 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5039104 The complaint Mr B complains about the support that he received from Barclays Bank UK PLC, trading as Barclaycard, when he used his credit card to withdraw four sums of cash, totalling £1,550, in four days which he transferred to his bank account so that he could gamble. Wha... (3 pages)View decision -
Decision Reference DRN7276811
25 Jul 2016 Lloyds Bank PLC Not upheldBanking and creditMr R complains that Lloyds Bank PLC won’t refund to his account transactions that he says he didn’t make or authorise.backgroundBetween March 2015 and June 2015 a number of online gambling transactions were made from Mr R’s account, with more than one replacement car... (2 pages)View decision -
Decision Reference DRN-1880138
29 Jul 2020 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-1880138 The complaintMr D complains that Capital One (Europe) plc irresponsibly increased the credit limit on his credit card account and unfairly charged him interest and fees. What happenedMr D says he had a gambling addiction for many years which ought to have been obvious to Capita... (2 pages)View decision
