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 4967 results
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Decision Reference DRN3052098
18 Jan 2016 Tesco Personal Finance PLC UpheldBanking and creditMr K complains that Tesco Personal Finance plc (trading as Tesco Bank) wrongly deducted Tesco Clubcard points from his account.backgroundWhen Mr K received credits on his Tesco credit card from a gambling company, he noticed Clubcard points were being deducted, even ... (1 page)View decision -
Decision Reference DRN-4623755
14 Mar 2024 Santander UK Plc Not upheldMortgagesDRN-4623755 The complaint Miss B’s complaint is about a secured personal loan that was taken out in her and her ex-partner’s names in 2007. She is unhappy that Santander UK Plc is holding her liable for the debt, even though she told Santander she was coerced into signing the application. ... (4 pages)View decision -
Decision Reference DRN7258666
1 Aug 2016 Santander UK Plc Not upheldBanking and creditMrs D complains that Santander UK Plc will not refund some disputed transactions.backgroundIn May 2015, 16 transactions totalling just over £1400 were made on Mrs D credit card. These were all made in the space of less than 24 hours and all to one gambling website.... (2 pages)View decision -
Decision Reference DRN-4580384
31 May 2024 Fairscore Ltd UpheldConsumer CreditDRN-4580384 The complaint Mr H has complained that Fairscore Ltd trading as Updraft, acted irresponsibly when it approved him for nine different loans over a 13-month period. Background Mr H applied for nine loans with Updraft between January 2022 and February 2023. He was approved for eac... (3 pages)View decision -
Decision Reference DRN-1933089
16 Sep 2020 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-1933089The complaintMr B complains Monzo Bank Limited has closed his account unfairly.What happenedMr B opened a current account with Monzo in January 2019. He’d had a number of accounts with other businesses, and a poor credit file as well as a CIFAS marker against his name. The accou... (2 pages)View decision -
Decision Reference DRN-2597778
19 Feb 2021 UK Credit Limited Not upheldConsumer CreditDRN-2597778 Complaint Mr V has complained about a guarantor loan UK Credit Limited (“UK Credit”) provided to him. He says his credit report would have shown he had recent payday loans and his bank statements would have shown he had a gambling problem. So UK Credit shouldn’t have lent to hi... (7 pages)View decision -
Decision Reference DRN-2909498
15 Sep 2021 Barclays Bank UK PLC Not upheldConsumer CreditDRN-2909498 The complaint Mr K complains Barclays Bank UK Plc pressurised him into taking out a credit card when he had a gambling addiction. What happened In 2015, Mr M says he went into a Barclays branch to open an account and at the same time, he took out a credit card, with a credit li... (2 pages)View decision -
Decision Reference DRN4637478
6 Mar 2020 Oakbrook Finance Limited Not upheldBanking and creditComplaintMr L says Oakbrook Finance Limited, trading as Likely Loans, shouldn’t have lent him money in 2018.BackgroundIn October 2018, Mr L borrowed £3,600 from Likely Loans. He would repay this amount, with interest, over 36 months at a monthly cost of £190.16. The total amount repayable ... (4 pages)View decision -
Decision Reference DRN-4707429
9 May 2024 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-4707429 The complaint Mr B has complained that National Westminster Bank Plc (NatWest) won’t refund transactions he says he didn’t make or otherwise authorise. What happened Between April and August 2023, Mr B’s NatWest account was occasionally used for gambling payments, made across t... (4 pages)View decision -
Decision Reference DRN-3727850
17 Oct 2022 Starling Bank Limited Not upheldBanking and PaymentsDRN-3727850 The complaint Mr W complains that Starling Bank Limited won’t refund disputed payments made from his current account. What happened On 13 March 2021 a payment for £140 was made from Mr W’s current account to an online gambling company, he says he did not authorise this payment.... (2 pages)View decision
