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 DRN4219668
15 May 2018 SLL Capital Limited UpheldBanking and creditMiss A complains that SLL Capital Limited was irresponsible to lend her money as it didn’t do enough checks to make sure the repayments were affordable.backgroundMiss A had ten instalment loans from SLL Capital between August 2011 and October 2013 as follows:NoRef Date Loa... (3 pages)View decision -
Decision Reference DRN3414495
13 Jan 2020 Barclays Bank UK PLC Not upheldBanking and creditMr P complains that Barclays Bank UK PLC (trading as ‘Barclaycard’) acted irresponsibly when it increased his credit limit.backgroundI sent my provisional decision to both parties on 24 December 2019. A copy of this is attached and forms part of this final decision. In it I set out the bac... (4 pages)View decision -
Decision Reference DRN-4352412
15 Sep 2023 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4352412 The complaint Mr N has complained that Bank of Scotland plc trading as Halifax (“Halifax”) provided him with an overdraft irresponsibly and allowed him to go over his overdraft limit when he was in financial difficulty. What happened Mr N had a £500 overdraft facility with Hali... (3 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-3551866
5 Aug 2022 Admiral Financial Services Ltd Not upheldConsumer CreditDRN-3551866 The complaint Mr S complains Admiral Financial Services Ltd irresponsibly lent to him. Mr S is represented by a third party; but for ease I’ll refer to all submissions as if they were made by him directly. What happened Admiral approved Mr S for a £10,000 loan in March 2021. Th... (3 pages)View decision -
Decision Reference DRN5665713
14 Aug 2017 Casheuronet UK LLC Not upheldBanking and creditMiss F has complained about several loans granted to her by CashEuroNet UK LLC trading as Quick Quid (“Quick Quid”). She’s said Quick Quid encouraged her to borrow more than she could afford, which resulted in her needing to borrow regularly to repay previous loan... (5 pages)View decision -
Decision Reference DRN8567597
5 Feb 2020 Nationwide Building Society Not upheldBanking and creditMr N has complained Nationwide Building Society won’t refund account transactions that he didn’t make in September and October 2017.backgroundMr N opened an account with Nationwide in May 2017 (he’d previously had accounts with Nationwide that had been closed). He got a debit card for his ... (5 pages)View decision -
Decision Reference DRN-3309268
11 Feb 2022 Bamboo Limited UpheldConsumer CreditDRN-3309268 The complaint Mr H has complained that Bamboo Limited (“Bamboo”) provided him with three unaffordable loans. What happened Bamboo provided Mr H with three loans. The details are provided below: Loan Date Capital Amount Term in months Monthly repayment 1 05/10/2015 £1000.00 12 £... (4 pages)View decision -
Decision Reference DRN-3364744
31 Mar 2022 Halifax Share Dealing Limited UpheldInvestmentsDRN-3364744 The complaint Mr H is unhappy Halifax Share Dealing Limited (“HSDL”) failed to safeguard him from a gambling addiction after it lifted the restrictions from his ISA account. What happened Mr H had a share dealing ISA with HSDL. He contacted HSDL in June 2020 and told it he had ... (6 pages)View decision -
Decision Reference DRN-3774867
10 Nov 2022 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3774867 The complaint Mr P says HSBC UK Bank Plc (“HSBC”) acted irresponsibly by allowing him a £750 overdraft because the account was mainly used for gambling transactions. What happened One of our adjudicators looked into Mr P’s concerns and didn’t think there was anything within the... (3 pages)View decision
