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 5520 results
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Decision Reference DRN8918968
9 May 2017 Madison CF UK Limited Not upheldBanking and creditMr I complains that Madison CF UK Limited, trading as 118 118 Money, lent him money irresponsibly.backgroundMr I applied for a 118 118 loan in December 2015 for £2,000 over two years. He says he had a gambling problem at the time, and 118 118 should’ve known that from lo... (2 pages)View decision -
Decision Reference DRN-5906820
25 Oct 2025 MBNA Limited Not upheldBanking and PaymentsDRN-5906820 The complaint Mr H complains that MBNA Limited acted irresponsibly, failing to complete thorough checks, when providing him with credit in the form of two credit cards and two loans. Mr H is represented in this complaint, but I’ll refer to him as it’s his complaint. What ha... (4 pages)View decision -
Decision Reference DRN4569534
26 Jul 2017 Nationwide Building Society Not upheldBanking and creditMr M complains that Nationwide Building Society failed to prevent or refund some transactions on his account he says he didn’t make.backgroundIn December 2016 Mr M went abroad on holiday. While he was away, 35 debit card transactions were made on his current account... (2 pages)View decision -
Decision Reference DRN-4845081
11 Jun 2024 Progressive Money Limited UpheldConsumer CreditDRN-4845081 The complaint Mr H complains that Progressive Money Limited irresponsibility lent to him when it agreed a loan. What happened In June 2018 Progressive Money gave Mr H a £3,500 loan to be repaid over 36 months. The APR was 46.78% and the monthly repayment was approximately £166.... (4 pages)View decision -
Decision Reference DRN-3625338
23 Feb 2023 Spreadex Limited Not upheldInvestmentsDRN-3625338 The complaint Mr B complains to Spreadex Limited that he shouldn’t have been allowed to continue trading in his spread betting account as he was vulnerable, and this led to the losses he incurred. What happened Mr B opened a spread betting account with Spreadex Limited and was ... (3 pages)View decision -
Decision Reference DRN-2775240
23 Apr 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2775240 The complaint Mr S complains about NewDay Ltd (“NewDay”) for credit limit increases which were offered to him on his Aqua and Marbles cards. He believes that these increases were irresponsible as he had substantial other debt and he had high spending on gambling on his cards. H... (4 pages)View decision -
Decision Reference DRN7674223
20 Sep 2017 Barclays Bank Plc Not upheldBanking and creditMr R complains that he’s been the victim of fraud and that Barclays Bank Plc is holding him responsible for some transactions he says he didn’t make. He also complains that the bank has closed his account.backgroundMr R says in 2016 he opened several accounts with ... (5 pages)View decision -
Decision Reference DRN8563666
5 Dec 2014 Barclays Bank Plc Not upheldBanking and creditMr C complains that Barclays Bank PLC will not refund payments that he made to gambling sites while affected by a compulsive disorder.background Mr C was prescribed medication which is known to have the potential to cause compulsive disorders. He says that (under the effect of the ... (3 pages)View decision -
Decision Reference DRN0858968
2 Mar 2020 TSB Bank plc UpheldBanking and creditMiss O complains that TSB Bank plc irresponsibly gave her an overdraft and later increased that overdraft limit.backgroundMiss O applied for an overdraft in August 2018 but TSB refused the application and told her that any lending would be irresponsible as she was spending her money on gam... (4 pages)View decision -
Decision Reference DRN5529858
8 May 2017 Uncle Buck Finance LLP Not upheldBanking and creditMr O complains Uncle Buck Finance LLP lent him money he couldn’t afford to repay.backgroundMr O took out five loans with Uncle Buck, of which four were instalment loans.date takenamountinstalmentshighest monthly paymentDate repaid19 April 2015£2500n/a30 April 20154 M... (3 pages)View decision