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 5830 results
-
Decision Reference DRN6650736
9 Jul 2013 Nationwide Building Society Not upheldBanking and creditsummary of complaintMr B complains that Nationwide Building Society is holding him liable for disputed transactions which occurred using his debit card. background The following activity is relevant to this complaint: On 15 February an online gambling account was set up using... (2 pages)View decision -
Decision Reference DRN-4933927
27 Jul 2024 Nationwide Building Society UpheldConsumer CreditDRN-4933927 The complaint Mr S complains that Nationwide Building Society irresponsibly approved two loans which were unaffordable. What happened Mr S says he applied for two Nationwide loans in 2021 and 2023 which were unaffordable. He says appropriate checks were not carried out and h... (3 pages)View decision -
Decision Reference DRN-6235813
20 Mar 2026 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-6235813 The complaint Mr B complains that Clydesdale Bank Plc trading as Virgin Money lent irresponsibly when it approved two credit card applications he made and increased the limit on one of the accounts. What happened The background to this complaint and my initial conclusions w... (6 pages)View decision -
Decision Reference DRN5450063
20 Jun 2013 National Westminster Bank Plc Not upheldBanking and creditMr K says National Westminster Bank Plc lent to him irresponsibly when he was a vulnerable adult student with a gambling addiction. backgroundThe lending took place under the bank’s ‘professional trainee loan’ scheme. This scheme was ‘aimed at helping full time students meet their study... (2 pages)View decision -
Decision Reference DRN9329980
17 Oct 2018 HSBC Bank plc Not upheldBanking and creditMiss K complains that HSBC Bank Plc unfairly declined her chargeback request and failed to treat her sympathetically.background Miss K used her HSBC card to deposit a total of £8,000 with an online gambling company. She was unhappy with the service she got from the on... (2 pages)View decision -
Decision Reference DRN-2679865
6 Apr 2021 Everyday Lending Limited Not upheldConsumer CreditDRN-2679865 The complaint Mr G complains that Everyday Lending Limited (trading as Everyday Loans) granted him a loan that was unaffordable for him. What happened In October 2015, Mr G took out a loan for £2,000 with Everyday Lending. The loan was to be repaid over 24 months with the repay... (2 pages)View decision -
Decision Reference DRN9167478
9 Aug 2019 National Westminster Bank Plc UpheldBanking and creditMr T complains that National Westminster Bank Plc won’t refund £35,000 of payments made from his account to an online gambling website, that he says he didn’t authorise. Mr T also complains that NatWest blocked and closed his account. He says this caused him problems paying bills and affec... (9 pages)View decision -
Decision Reference DRN2028533
25 Oct 2017 Elevate Credit International Limited UpheldBanking and creditMr H complains that Elevate Credit International Limited (trading as Sunny) gave him instalment loans he couldn’t afford. He wants a refund with interest.backgroundMr H had 20 loans from Sunny between April 2015 and February 2017. He said proper checks would have shown ... (2 pages)View decision -
Decision Reference DRN-3342270
1 Mar 2022 Christian Paul Gachet UpheldConsumer CreditDRN-3342270 The complaint Miss R has complained that Christian Paul Gachet trading as Easylogbookloans.tv (“ELBL”) was irresponsible to have agreed credit for her. What happened ELBL provided Miss R with a loan of £1,000 in May 2017. The total amount of £2,050, including interest and charg... (4 pages)View decision -
Decision Reference DRN-4108587
29 Jun 2023 Shelby Finance Ltd Not upheldConsumer CreditDRN-4108587 The complaint Miss T complains that Shelby Finance Limited, trading as Dot Dot loans, lent to her when she could not afford it. What happened Using records provided by Shelby, here is a loan table: Loan Approved Amount Term and repay closed Credit file – 1 17 Oct 2020 £200 3 x ... (5 pages)View decision