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 DRN-4350347
15 Sep 2023 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4350347 The complaint Mr B complains that Lloyds Bank PLC (“Lloyds”) failed to refund transactions he says he didn’t make from his account and that it failed to provide support after informing it of his gambling concerns. What happened The details of this complaint are well known to bo... (5 pages)View decision -
Decision Reference DRN7731962
15 Mar 2018 Western Circle Limited UpheldBanking and creditMr S complains that Western Circle Limited gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges.backgroundMr S took out eight loans with Western Circle between July 2015 and January 2017. He says Western Circle was irresponsible to... (3 pages)View decision -
Decision Reference DRN2019987
9 Oct 2017 Lloyds Bank PLC Not upheldBanking and creditMr H complains that Lloyds Bank PLC has refused to refund some disputed transactions. Mr H says he is the victim of fraud and he wants Lloyds to refund the money.backgroundMr H says he contacted Lloyds in April 2017 because he’d noticed some transactions on his curr... (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-3141894
15 Dec 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3141894 The complaint Mr S complains about the level of support provided by Barclays Bank UK PLC trading as Barclaycard (Barclaycard) when he got in to financial difficulties. What happened What Mr S says Mr S says that he has a Barclaycard and that over the years his credit limit and ... (3 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-4921078
2 Aug 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4921078 The complaint Mr F complains that Monzo Bank Ltd (“Monzo”) acted irresponsibly by providing him with a flex running credit account. What happened In May 2023 Monzo granted Mr F an increased credit limit of £5,500. Mr F says that Monzo shouldn’t have granted him the increase... (3 pages)View decision -
Decision Reference DRN0560862
26 Feb 2019 Capital One (Europe) plc Not upheldBanking and creditMr T complains that Capital One (Europe) plc irresponsibly lent to him by increasing the credit limit on his credit card with them when he was already over his limit. He doesn’t think they should’ve done this. He also complains about charges applied to his account... (3 pages)View decision -
Decision Reference DRN-2312241
19 Jan 2021 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-2312241 The complaint Mr and Mrs G have complained that Bank of Scotland PLC trading as Halifax (“Halifax”) declined Mr G’s deposits to an online gambling site - which stopped him placing a winning bet. What happened Mr G enjoys playing roulette online. He funds this by making payment... (3 pages)View decision -
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
