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 5478 results
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Decision Reference DRN-3154276
10 Nov 2021 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3154276 The complaint Mr M complains HSBC UK Bank Plc irresponsibly approved him for two loans. What happened Below is intended to be a summary of what happened and does not therefore include a full timeline or list every point that has been made. Below is intended to be a summary of e... (5 pages)View decision -
Decision Reference DRN-4916987
24 Oct 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4916987 The complaint and background Mr R complains Monzo Ltd (Monzo) won’t reimburse around £1,500 that he lost when he says he fell victim to a scam. Our investigator didn’t uphold the complaint. She initially set out that she wasn’t persuaded that the payments ought to have aler... (2 pages)View decision -
Decision Reference DRN-3595784
26 Jul 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3595784 The complaint Mr P, through his representative, complains that Everyday Lending Limited, trading as Everyday Loans, lent to him irresponsibly. What happened Using information we have from Everyday Lending, here is a brief table of the three loans approved for Mr P. Loan Date op... (3 pages)View decision -
Decision Reference DRN-2669214
10 Mar 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2669214 Complaint Mr T is unhappy that Barclays Bank Plc is holding him liable for a series of transactions he says he didn’t authorise. Background In January and February 2020, a series of transactions were made from Mr T’s account to a gambling account that had been set up in the nam... (6 pages)View decision -
Decision Reference DRN-3386104
31 Mar 2022 Oplo HL Ltd UpheldMortgagesDRN-3386104 The complaint Mr and Mrs M complain that Oplo HL Ltd (then trading as 1st Stop Home Loans Limited) was irresponsible to lend to them. What happened Mr and Mrs M took out a loan of £10,000 with Oplo in early 2015. They told Oplo they intended to use the loan to repay mortgage ar... (6 pages)View decision -
Decision Reference DRN-3324399
18 Mar 2022 MBNA Limited UpheldBanking and PaymentsDRN-3324399 The complaint Mr W has complained that MBNA Limited acted irresponsibly when it provided him with two new credit cards in 2017. Background Mr W applied for, and was given, two new credit cards from MBNA in April and May 2017. He has said that at that time he was already experie... (3 pages)View decision -
Decision Reference DRN1125653
29 Mar 2021 Everyday Lending Limited Not upheldBanking and creditIn summary, Mr D has complained that Everyday Lending Limited (ELL) provided him with a loan that he wasn’t able to afford. background In April 2018 ELL provided Mr D a loan for £3,000 repayable over two years. It was a high interest loan with an interest rate of 127.1% APR. The total char... (5 pages)View decision -
Decision Reference DRN4479596
19 Jul 2019 Barclays Bank UK PLC Not upheldBanking and creditMrs M complains that Barclays Bank UK PLC was irresponsible in its lending to her.backgroundMrs M took out a loan with Barclays in January 2019 which she applied for online. She says she has a gambling problem and that following significant losses she applied for the £50,000 loan. Mrs M sa... (3 pages)View decision -
Decision Reference DRN-4770008
29 Apr 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4770008 The complaint Mr H complains that Barclays Bank UK Plc failed to block his transactions to a crypto currency firm that he was using to gamble, despite telling Barclays he had a gambling addiction. What happened I sent the parties a provisional decision in March 2024, in which I... (4 pages)View decision -
Decision Reference DRN3629180
12 Jul 2019 Indigo Michael Limited UpheldBanking and creditMr M has complained that Indigo Michael Limited (trading as Safety Net Credit (SNC)) didn’t carry out sufficient affordability checks before granting him a Safety Net facility in 2016. Mr M also says had SNC carried out sufficient checks, it would’ve seen that he couldn’t afford it. backgr... (5 pages)View decision