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 DRN2045669
17 Aug 2018 Santander UK Plc Not upheldBanking and creditMr B complains that Santander UK Plc rejected his claim for compensation under section 75 of the Consumer Credit Act 1974 in relation to credit card payments he made to an investment website he says was a scam.backgroundIn September 2017 Mr B made a number of payment... (2 pages)View decision -
Decision Reference DRN-3314987
7 Sep 2022 Oplo HL Ltd Not upheldMortgagesDRN-3314987 The complaint Mr G has said that Oplo HL Ltd didn’t carry out sufficient checks when it granted him a secured loan in 2020. He says he was gambling heavily and the lending was based on his non-guaranteed overtime, which he feels was irresponsible on the part of the lender. What... (4 pages)View decision -
Decision Reference DRN-5534737
20 Jun 2025 Zempler Bank Limited UpheldBanking and PaymentsDRN-5534737 The complaint Miss T complains that Zempler Bank Limited did not close her credit card account when requested. What happened Miss T says she asked Zempler to close her account multiple times, but that, despite it admitting it did not action her request, it never resolved th... (3 pages)View decision -
Decision Reference DRN-4086614
24 Apr 2023 Oakbrook Finance Limited Not upheldConsumer CreditDRN-4086614 The complaint Miss A complains that Oakbrook Finance Limited lent her three loans when she couldn’t afford to repay. She says at the time she suffered from severe mental health and severe gambling problems. Miss A says had Oakbrook carried out sufficient checks it wouldn’t have... (3 pages)View decision -
Decision Reference DRN-3799444
3 Jan 2023 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3799444 The complaint Mr M complains that The Royal Bank of Scotland Plc (RBS) hasn’t helped him with a fraud claim. What happened Mr M says he made a number of payments to a gambling company based abroad. He says he believed he had won over £80,000 and so spent his money believing he ... (2 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 DRN-4665711
27 Jun 2024 Curve UK Limited Not upheldBanking and PaymentsDRN-4665711 The complaint Mr A complains that Curve UK Limited has irresponsibly allowed him to make payments and that it is now asking him to repay a payment it made to one of his creditors. What happened Mr A has a Curve account and uses its ‘Fronted’ facility. This enables a customer to... (5 pages)View decision -
Decision Reference DRN1857768
30 Jul 2021 Clydesdale Bank Plc Not upheldBanking and creditMr and Mrs W complain that Clydesdale Bank Plc did not help recover the money (and winnings) paid to an online gambling company that turned out to be a scam. As Mrs W had all the dealings with Clydesdale Bank Plc, for ease of reading, I’ll refer to all submissions as having come from Mrs W... (3 pages)View decision -
Decision Reference DRN6307167
26 Sep 2019 Bamboo Limited Not upheldBanking and creditMr T complains that Bamboo Limited didn’t carry out enough checks before approving his loan application.backgroundIn 2018, Mr T applied to Bamboo for a loan. He applied online and the loan was approved. He had difficulty making some payments on time early on. But overall he managed to keep... (2 pages)View decision -
Decision Reference DRN-4893015
8 Jul 2024 Zopa Bank Limited UpheldBanking and PaymentsDRN-4893015 Complaint Mr T has complained that Zopa Bank Limited (“Zopa”) irresponsibly increased the credit limit on his credit card. He is also unhappy that his card wasn’t blocked when he called up and asked for this to happen. Background In March 2021, Zopa provided Mr T with a credit ... (7 pages)View decision
