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 4727 results
-
Decision Reference DRN-2271669
25 Nov 2020 Loans 2 Go Limited UpheldConsumer CreditDRN-2271669 The complaint Mr K complains that Loans 2 Go Limited lent to him in an irresponsible manner. What happened Mr K was given a single loan by Loans 2 Go. He borrowed £2,000 in September 2014 and agreed to repay the loan in weekly instalments over the following 18 months. The loan ... (3 pages)View decision -
Decision Reference DRN-4299215
15 Aug 2023 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4299215 The complaint Mr S complains that Monzo Bank Ltd (“Monzo”) won’t refund transactions on his current account that he didn’t make or otherwise authorise. What happened At the start of January 2023, Mr S contacted Monzo and disputed all the transactions to a gambling site which we... (3 pages)View decision -
Decision Reference DRN-2774791
27 Jun 2021 OSL Financial Consultancy Limited Not upheldMortgagesDRN-2774791 The complaint Mr and Mrs P complain that their secured loan was mis-sold in 2017 by OSL Financial Consultancy Limited trading as MortgageKey. They say Mr P’s spending was out of control, and he had a gambling problem, so MortgageKey’s advice was irresponsible. What happened Mr ... (3 pages)View decision -
Decision Reference DRN2383584
21 Nov 2019 Bank of Scotland Plc Not upheldBanking and creditMr M complains that Bank of Scotland plc (trading as Halifax) will not refund payments he says he did not make from his bank account.backgroundMr M disputes a number of payments totalling £2,160 made to an online gambling website between 22 and 25 March 2018. He says that he last used his ... (3 pages)View decision -
Decision Reference DRN9505197
7 Jan 2019 CMC Spreadbet Plc Not upheldInvestment and pensionsMr V has complained that CMC Spreadbet Plc have acted irresponsibly by allowing him to open an account and continue to trade.backgroundMr V submitted his application to open an account on 10 January 2016 and starting placing spread bets in February 2016. He has said... (3 pages)View decision -
Decision Reference DRN-3741381
8 Nov 2022 Match the Cash Limited UpheldConsumer CreditDRN-3741381 Complaint Mr S has complained that Match the Cash Limited (“Match the Cash”) unfairly brought about an unaffordable guarantor loan for him. He said that he was in a spiral of debt and that the loan was unaffordable. Background Match the Cash operated the electronic system in re... (2 pages)View decision -
Decision Reference DRN3604103
1 Nov 2017 Santander UK Plc Not upheldBanking and creditMr T complained about charges on his account with Santander UK Plc. He wants all charges refunded for the last six years, together with compensation for the effect the charges had had on him.backgroundMr T complained about charges which Santander had made to his c... (3 pages)View decision -
Decision Reference DRN5289740
17 Jun 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr L complains that The Royal Bank of Scotland Plc has not refunded a number of transactions that he says he did not make or authorise, and the bank has also closed his account.backgroundMr L opened an account with RBS in March 2013. He later complained that there were over 15 onlin... (2 pages)View decision -
Decision Reference DRN9552124
26 Mar 2015 Barclays Bank Plc Not upheldBanking and creditMr T complains that Barclays Bank Plc lent him an unsecured loan for £35,000 without checking his financial history. He wants the debt cleared.backgroundMr T applied for an unsecured loan for £35,000 from Barclays. He met the repayments on time for six months but then c... (2 pages)View decision -
Decision Reference DRN-3297821
2 Mar 2022 HSBC UK Bank Plc UpheldConsumer CreditDRN-3297821 The complaint Mr S complains HSBC UK Bank Plc acted irresponsibly when it lent him £25,000 for a personal unsecured loan. What happened In late 2015, Mr S took out a personal loan with HSBC for £25,000, with a five-year term and a monthly repayment of around £600. In 2021, Mr S... (4 pages)View decision
