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-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-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-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 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 DRN7111817
20 Mar 2019 Greenlight Credit Ltd UpheldBanking and creditMr S complains that Greenlight Credit Ltd lent to him irresponsibly because it should have been aware through the checks it completed that he had a gambling problem. backgroundMr S applied for a log book loan with Greenlight in September 2017. He borrowed £4,000 and ... (5 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 -
Decision Reference DRN-4812952
3 Jul 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4812952 The complaint Mr H has complained that Santander UK Plc (“Santander”) irresponsibly increased the limit on his overdraft. He says that Santander acted unfairly by continuing to apply overdraft charges to his account when he was already in financial difficulty. What happened Mr ... (3 pages)View decision -
Decision Reference DRN-3770739
22 Nov 2022 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3770739 The complaint Mrs E complained because Lloyds Bank plc refused to refund her for transactions she said she didn’t make. What happened On 17 April 2022, Mrs E, represented by her partner, contacted Lloyds and said there had been two fraudulent transactions on her account the pre... (3 pages)View decision
