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
-
Decision Reference DRN8550950
31 May 2018 National Westminster Bank Plc Not upheldBanking and creditMr L has complained that he was granted a loan by National Westminster Bank Plc (‘NatWest’) that was unaffordable for him. Mr L is represented in this matter by Ms S.backgroundMr L applied for a £17,500 loan online with NatWest on 4 December 2017. The application wa... (3 pages)View decision -
Decision Reference DRN-4179741
14 Jun 2023 Loans 2 Go Limited UpheldConsumer CreditDRN-4179741 The complaint Mr M complains that Loans 2 Go Limited lent to him when it shouldn’t have. What happened I Issued a provisional decision in May 2023 where I set out a detailed background to this complaint. That decision should be read in conjunction with this as it forms part of ... (3 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 -
Decision Reference DRN7368923
17 May 2013 National Westminster Bank Plc Not upheldBanking and creditMiss K says she did not make or authorise certain transactions totalling more than £7,000 to an online gambling site in late December 2010. background National Westminster Bank plc did not accept Miss K’s argument but it did agree it had not dealt well with her complaint and paid her £... (1 page)View decision -
Decision Reference DRN4798035
2 Oct 2019 Lloyds Bank PLC Not upheldBanking and creditComplaintMr S complains about Lloyds Bank PLC’s decision to increase his overdraft limit. Background The background to this complaint and my initial conclusions were set out in my provisional decision dated 19 August 2019 - a copy of which is attached and forms part of this decision. In my... (5 pages)View decision -
Decision Reference DRN-3553735
6 Jul 2022 Oakbrook Finance Limited UpheldConsumer CreditDRN-3553735 The complaint Mr A complains that OAKBROOK FINANCE LIMITED trading as Likely Loans lent him money on high cost loans which he couldn’t afford to repay. What happened Likely Loans provided Mr A with the following loans: Date of loan Amount Term Instalment* Date repaid Loan 1 13/... (4 pages)View decision -
Decision Reference DRN-4868798
27 Jun 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4868798 The complaint Mr Z complains Lloyds Bank PLC (“Lloyds”) refuses to refund him for transactions on his account he says he didn’t authorise. What happened The facts of this case are well known to both parties, so I won’t repeat them in detail here. In summary, Mr Z says his phone... (3 pages)View decision -
Decision Reference DRN-3673745
19 Jan 2023 Nationwide Building Society Not upheldBanking and PaymentsDRN-3673745 The complaint The estate of Mr C complains that Nationwide Building Society won’t refund payments that had been disputed by him. What happened Mr C had raised a complaint with Nationwide before he passed away. This related to three payments to an online gambling merchant which ... (2 pages)View decision -
Decision Reference DRN3951697
28 Oct 2020 Santander UK Plc Not upheldBanking and creditMr W has complained about how Santander UK Plc dealt with a claim he made under section 75 of the Consumer Credit Act 1974. background Mr W bought a educational/subscription package costing 2,999 US Dollars from a third party business, which I will call ‘B’, using his Santander credit card... (2 pages)View decision -
Decision Reference DRN8167280
19 Dec 2014 National Westminster Bank Plc Not upheldBanking and creditMr V complains that National Westminster Bank Plc has refused to credit the value of transactions to his account that he denies making or otherwise authorising. backgroundOn 11 September 2014, 33 transactions were carried out using Mr V’s card and card details totalling £9,391.85. 11 of... (3 pages)View decision
