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 4692 results
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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 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-4933927
27 Jul 2024 Nationwide Building Society UpheldConsumer CreditDRN-4933927 The complaint Mr S complains that Nationwide Building Society irresponsibly approved two loans which were unaffordable. What happened Mr S says he applied for two Nationwide loans in 2021 and 2023 which were unaffordable. He says appropriate checks were not carried out and h... (3 pages)View decision -
Decision Reference DRN1403859
18 Feb 2020 Commsave Credit Union Limited UpheldBanking and creditMr F’s complaint against Commsave Credit Union Limited (Commsave) is that it continued to irresponsibly lend to him after he told it about his gambling addiction. backgroundMr M had a loan with Commsave. On 17 February 2015, he notified it that he had a gambling addiction; was in financial... (2 pages)View decision -
Decision Reference DRN-2568861
5 Feb 2021 Nationwide Building Society Not upheldBanking and PaymentsDRN-2568861 The complaint Mr L has complained that Nationwide Building Society won’t refund transactions, which he said he didn’t make. What happened Mr L is disputing multiple online payments, totalling £1,520, from his current account to two online gambling merchants. The payments were ... (5 pages)View decision -
Decision Reference DRN1272641
20 Mar 2015 HSBC Bank plc Not upheldBanking and creditMr N deposited a very large sum with HSBC Bank Plc and complains he did not have the easy access to the funds he was promised and that an overdraft was provided even though he instructed the bank he didn’t want one.backgroundAfter making a large deposit into an H... (3 pages)View decision -
Decision Reference DRN1378560
20 Feb 2014 HSBC Bank plc Not upheldBanking and creditMr G complains that HSBC Bank Plc should have realised that he had a problem with gambling in the form of compulsive share trading, and should have taken more decisive steps to restrict his account. He also complains that HSBC unreasonably used his salary payment to offset his debt, le... (3 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-4447454
9 Nov 2023 247 Money Group Limited UpheldConsumer CreditDRN-4447454 The complaint Mr A complains that 247 Money Group Limited trading as 247Money (247Money) irresponsibly mis-sold him a hire purchase agreement he couldn’t afford. Mr A is represented in this complaint by a claims management company but, for ease, I’ll refer to Mr A directly thro... (6 pages)View decision -
Decision Reference DRN-4487570
30 Nov 2023 National Westminster Bank Plc Not upheldConsumer CreditDRN-4487570 The complaint Miss C complains that National Westminster Bank Plc (NatWest) was irresponsible to lend to her on several occasions. What happened NatWest agreed five loans for Miss C between October 2017 and May 2022. I’ve summarised some of the information it provided about the... (6 pages)View decision
