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 5795 results
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Decision Reference DRN7731962
15 Mar 2018 Western Circle Limited UpheldBanking and creditMr S complains that Western Circle Limited gave him loans that he couldn’t afford to repay. He asks that it refunds interest and charges.backgroundMr S took out eight loans with Western Circle between July 2015 and January 2017. He says Western Circle was irresponsible to... (3 pages)View decision -
Decision Reference DRN-2655178
13 Apr 2021 Logbook Money Limited UpheldConsumer CreditDRN-2655178 The complaint Mr B complains about a ‘log book’ loan provided to him by Logbook Money Limited, (“Logbook Money”) which he says was unaffordable. What happened Logbook Money provided Mr B with a ‘log book’ loan in July 2019. This loan was for £1200 and was to be repaid over 78 w... (5 pages)View decision -
Decision Reference DRN0219208
9 Jan 2017 Bank of Scotland Plc Not upheldBanking and creditMrs C complains that Bank of Scotland plc (“Halifax”) did not treat her fairly in that it allowed her to borrow £5,000 despite knowing she had a gambling problem. She also complains the bank will not allow her to withdraw money credited to her account on behalf of ... (2 pages)View decision -
Decision Reference DRN2036784
25 Apr 2016 Bank of Ireland (UK) Plc Not upheldBanking and creditMr W complains that Bank of Ireland (UK) Plc won’t refund money he says was taken out of his account. He says he didn’t withdraw or spend the money or ask anybody else to do so for him.The BoI account is branded as one from the Post Office.backgroundThe details ... (2 pages)View decision -
Decision Reference DRN-4921078
2 Aug 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4921078 The complaint Mr F complains that Monzo Bank Ltd (“Monzo”) acted irresponsibly by providing him with a flex running credit account. What happened In May 2023 Monzo granted Mr F an increased credit limit of £5,500. Mr F says that Monzo shouldn’t have granted him the increase... (3 pages)View decision -
Decision Reference DRN5909013
30 Nov 2017 The Royal Bank of Scotland Plc UpheldBanking and creditMr S complains that The Royal Bank of Scotland Plc acted irresponsibly when it gave him a loan in March 2013.backgroundMr S told us that he is a gambler. He no longer gambles, but he was gambling in early 2013, when he applied to RBS for a loan for £18,000. He also ... (4 pages)View decision -
Decision Reference DRN-4580384
31 May 2024 Fairscore Ltd UpheldConsumer CreditDRN-4580384 The complaint Mr H has complained that Fairscore Ltd trading as Updraft, acted irresponsibly when it approved him for nine different loans over a 13-month period. Background Mr H applied for nine loans with Updraft between January 2022 and February 2023. He was approved for eac... (3 pages)View decision -
Decision Reference DRN-2189218
20 Nov 2020 Metro Bank PLC Not upheldBanking and PaymentsDRN-2189218 The complaint Mr S has complained that Metro Bank PLC won’t refund him for disputed transactions he didn’t make or authorise. What happened Mr S has a current account with Metro and several online gambling accounts . Between 29 August 2019 and 2 September 2019 Mr S’s debit card... (4 pages)View decision -
Decision Reference DRN6144580
30 Jul 2013 Barclays Bank Plc Not upheldBanking and creditMr B complains that Barclays Bank PLC trading as Barclaycard (“Barclaycard”) was irresponsible in allowing him to exceed his credit limit.background Mr B had drunk alcohol and had taken prescription medication when he used his credit card on an online gambling website one evening. The ... (2 pages)View decision -
Decision Reference DRN9673231
28 Sep 2016 PDL Finance Limited UpheldBanking and creditMr H complains that PDL Finance Limited trading as Mr Lender (“Mr Lender”) gave him unaffordable loans. He wants a refund of all the interest he has paid.backgroundIn my provisional decision I set out why I intended to uphold Mr H’s complaint. Mr H agreed with my p... (2 pages)View decision