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 4967 results
-
Decision Reference DRN-5160950
24 Apr 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5160950 The complaint Mr S complains that Lloyds Bank PLC did not seek the return of money he had paid to a gambling website, even though he did not receive the service he had paid for. What happened In October 2023 Mr S made debit card three payments – two of £500 and one of £1,000... (2 pages)View decision -
Decision Reference DRN-3260377
23 Apr 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3260377 The complaint Miss H complains that Vanquis Bank Limited irresponsibly allowed her to open a credit card account which was unaffordable. What happened Miss H says she applied for the account in June 2021 and says Vanquis should not have approved her application. She says approp... (2 pages)View decision -
Decision Reference DRN-4620822
2 Apr 2024 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-4620822 Complaint Mr G complains that Specialist Motor Finance Limited (“SMF”) unfairly entered into a hire- purchase agreement with him. He’s said that the proper checks weren’t carried out and he was provided with finance at a time where he had a gambling addiction. Background In Jan... (3 pages)View decision -
Decision Reference DRN-4109743
11 Aug 2023 Valour Finance Limited Not upheldConsumer CreditDRN-4109743 The complaint Mr B complains that Valour Finance Limited, trading as Savvy.co.uk (“Valour”), lent to him when he could not afford it. What happened In March 2022 Mr B was approved for one loan of £700 repayable over eight months at just over £168 each month commencing April 202... (3 pages)View decision -
Decision Reference DRN-4727493
23 Apr 2024 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-4727493 The complaint Mr B complains that Clydesdale Bank Plc trading as Virgin Money lent irresponsible when it approved his credit card application and later increased the credit limit. What happened Mr B applied for a credit card in September 2019. In Mr B’s application, he said he ... (3 pages)View decision -
Decision Reference DRN-3057475
18 Nov 2021 Everyday Lending Limited Not upheldConsumer CreditDRN-3057475 The complaint Mrs D complains that Everyday Lending Limited granted her a loan that was unaffordable for her. What happened In late 2018, Mrs D took out a loan for £1,000 with Everyday Lending. The loan was to be repaid over 24 months with the repayments set at £123.84 a month.... (3 pages)View decision -
Decision Reference DRN-4058766
26 Apr 2023 Revolut Ltd Not upheldBanking and PaymentsDRN-4058766 The complaint Mr R complains that Revolut Ltd are holding him liable for payments that he says he didn’t make or otherwise authorise. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief overview of some of the key... (2 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 DRN5846049
25 Aug 2015 The Royal Bank of Scotland Plc Not upheldBanking and creditMiss E complains that The Royal Bank of Scotland Plc will not refund a series of disputed debit card transactions made to her account which have affected her credit record.backgroundMiss E opened an account with RBS in January 2014. She has made a number of claims ... (2 pages)View decision -
Decision Reference DRN6849286
14 Oct 2020 Everyday Lending Limited UpheldBanking and creditComplaint Miss G has complained about loans granted to her by Everyday Lending Limited (“EDL”). She says that the loans were unaffordable for her and EDL was wrong to have agreed to them. Background EDL agreed three loans for Miss G: a loan of £3,000 in June 2014; a second of £4,576 in Jan... (6 pages)View decision
