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 DRN3263958
22 Jan 2020 The Royal Bank of Scotland Plc Not upheldBanking and creditMr M complains The Royal Bank of Scotland Plc gave him a large overdraft facility in October 2017 even though he’d previously exceeded his overdraft limit on a number of occasions.backgroundMr M says he’d exceeded his overdraft limits in June, July, August and September 2017 and it should’... (2 pages)View decision -
Decision Reference DRN-5297374
10 Mar 2025 Starling Bank Limited Not upheldBanking and PaymentsDRN-5297374 The complaint Miss W has complained Starling Bank Limited won’t refund her for numerous disputed transactions made between March and July 2024. What happened Miss W gambles online and uses her Starling card to deposit cash into various accounts. Despite using sites she recog... (2 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-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 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 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-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 -
Decision Reference DRN-4725587
3 May 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4725587 The complaint Mr O complains Barclays Bank UK PLC (“Barclays”) refuses to refund him for a large number of transactions which he made during he was mentally unstable. Mr O thinks Barclays should’ve blocked the transactions on account of Mr O’s vulnerabilities. Mr O is represent... (3 pages)View decision
