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 4619 results
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Decision Reference DRN6485550
22 Aug 2019 Nationwide Building Society Not upheldBanking and creditMr F complains that Nationwide Building Society (Nationwide) allowed over £51,000 to debit his account without his authority or consent. He’s unhappy that Nationwide has refused to refund these disputed transactions.backgroundMr F opened a current account with Nationwide on 15 May 2017. Mr... (5 pages)View decision -
Decision Reference DRN1982344
7 Oct 2015 Nationwide Building Society Not upheldBanking and creditMr K, on behalf of his son, says Nationwide Building Society approved three loans totalling £16,000 in less than two months. He says this can’t be responsible lending (the money has all been spent on gambling). He wants Nationwide to accept some responsibility by w... (2 pages)View decision -
Decision Reference DRN-4994260
5 Sep 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4994260 The complaint Mr T complains that Vanquis Bank Limited acted irresponsibly in its lending to him. Mr T is represented by a third party but for ease of reference I have referred to Mr T throughout this decision. What happened Mr T was provided with a Vanquis credit card in Ap... (3 pages)View decision -
Decision Reference DRN-2762589
6 May 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2762589 The complaint Miss S is complaining about NewDay Ltd trading as Aqua. She says they lent to her irresponsibly when they gave her a credit card in August 2016, and again when they increased her credit limit in April 2017. What happened Miss S applied for an Aqua credit card in A... (3 pages)View decision -
Decision Reference DRN6715637
18 Aug 2017 WDFC UK Limited UpheldBanking and creditMiss B says WDFC UK Limited (trading as Wonga) gave her loans she couldn’t afford to repay. She asks that it refunds interest and charges, with 8% interest, and removes the loans from her credit file. backgroundMiss B took out 16 loans with Wonga between February 2... (3 pages)View decision -
Decision Reference DRN-2707662
23 Mar 2021 Greenlight Credit Ltd UpheldConsumer CreditDRN-2707662 The complaint Mr B complains that Greenlight Credit Limited, trading as Varooma, (“Varooma”), lent to him in an irresponsible manner. What happened Mr B was given nine loans by Varooma from September 2014 to May 2018. Mr B has successfully repaid the loans. The date of repaymen... (8 pages)View decision -
Decision Reference DRN0402526
31 Jul 2020 Oakam Ltd UpheldBanking and creditMr B complains that Oakam Ltd lent to him irresponsibly.backgroundUsing information from Oakam and Mr B I have compiled a Loan Table. I’ve tried to be as accurate as I can but there are several refinancing arrangements, combined with additional fees at each stage. This Loan Table is for ea... (6 pages)View decision -
Decision Reference DRN-1563798
8 Jul 2020 Barclays Bank UK PLC Not upheldBanking and PaymentsComplaint Mr C complains that Barclays Bank UK PLC trading as Barclaycard (Barclays) acted irresponsibly when they allowed him to open a credit card account. Background Mr C has a credit card account with Barclays but feels that the card shouldn’t have been approved because when he applied... (3 pages)View decision -
Decision Reference DRN-4806212
30 May 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-4806212 The complaint Mr P complains that the letter Santander UK Plc sent him about activity on his account caused him distress and he wants compensation for this. What happened In March 2024, Mr P was sent a letter by Santander in about recent gambling activity on his account. He say... (2 pages)View decision -
Decision Reference DRN-2003025
23 Nov 2020 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-2003025 The complaint Mr S complains that National Westminster Bank Plc won’t refund disputed transactions made from his account. And he’d like a refund. What happened Mr S says that eight online card payments totalling £500 were made using his NatWest debit card to a gambling company,... (3 pages)View decision
