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-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 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 DRN4569534
26 Jul 2017 Nationwide Building Society Not upheldBanking and creditMr M complains that Nationwide Building Society failed to prevent or refund some transactions on his account he says he didn’t make.backgroundIn December 2016 Mr M went abroad on holiday. While he was away, 35 debit card transactions were made on his current account... (2 pages)View decision -
Decision Reference DRN-4096185
24 Jul 2023 Shelby Finance Ltd Not upheldConsumer CreditDRN-4096185 The complaint Mr M, through his representative, complains that Shelby Finance Ltd, trading as Dot Dot Loans (“Shelby”), lent to him irresponsibly. What happened Mr M took four loans from Shelby and a brief loan table is set out here: Loan Approved Amount Repayments each month P... (4 pages)View decision -
Decision Reference DRN-2943460
27 Jul 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2943460 The complaint Mr S complains of irresponsible credit increases to his account by Vanquis Bank Limited (Vanquis). He would like all charges applied to his account since 2014 refunded. And any negative information on his credit file amended What happened Mr S says he took out a ... (4 pages)View decision -
Decision Reference DRN8282614
31 Mar 2020 National Westminster Bank Plc UpheldBanking and creditMr S has complained National Westminster Bank Plc will not refund payments he didn’t make and closed his account.backgroundMr S opened an account with NatWest in May 2017 with an agreed overdraft facility of £1,250. He accepts he made some payments with his card. But he disputes a further ... (3 pages)View decision -
Decision Reference DRN5529858
8 May 2017 Uncle Buck Finance LLP Not upheldBanking and creditMr O complains Uncle Buck Finance LLP lent him money he couldn’t afford to repay.backgroundMr O took out five loans with Uncle Buck, of which four were instalment loans.date takenamountinstalmentshighest monthly paymentDate repaid19 April 2015£2500n/a30 April 20154 M... (3 pages)View decision -
Decision Reference DRN3696088
7 May 2019 Casheuronet UK LLC Not upheldBanking and creditMr B complains that CashEuroNet UK LLC (CEN) was irresponsible in lending him money and it telling him it had defaulted one loan.backgroundMr B has had three loans from CEN. One for £300 taken out on 14 March 2015 was repayable in twelve monthly instalments of £45.03... (3 pages)View decision -
Decision Reference DRN5638729
21 Mar 2019 NewDay Ltd Not upheldBanking and creditMr R complains that NewDay Ltd acted irresponsibly when they approved his application for a second credit card account. To put things right he wants them to refund him the interest and charges that were applied to the account when he later missed some payments.backgroun... (2 pages)View decision -
Decision Reference DRN7736693
23 Feb 2018 Provident Personal Credit Limited Not upheldBanking and creditMr K complains that Provident Personal Credit Limited (Provident) have been irresponsible in lending to him.backgroundMr K took a loan with Provident in December 2016 for £700 repayable over 52 weeks. He didn’t make any weekly payments but repaid it in full in February... (3 pages)View decision
