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 360264 results
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Decision Reference DRN-5152557
2 Dec 2024 Santander UK Plc UpheldMortgagesDRN-5152557 The complaint This complaint is about a mortgage Mr O holds with Santander UK Plc. Mr O is unhappy that Santander told him, in response to an initial enquiry, that his request to reduce the term of his mortgage would not meet its affordability criteria. He thinks the decisio... (7 pages)View decision -
Decision Reference DRN-5126447
2 Dec 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-5126447 The complaint Ms A is being represented by solicitors. She’s complaining about Monzo Bank Ltd because it won’t refund money she lost as the result of fraud. What happened Sadly, at the end of 2023, Ms A fell victim to a cruel job scam. She was contacted online by someone off... (5 pages)View decision -
Decision Reference DRN-5160832
2 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5160832 Complaint Mr P has complained about a credit limit increase which Vanquis Bank Limited (“Vanquis”) provided to him on a credit card. He says that he shouldn’t have been offered the limit increase because of his credit score and it was applied to his card without him asking ... (3 pages)View decision -
Decision Reference DRN-5055509
2 Dec 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5055509 The complaint Mr and Mrs R complain that Barclays Bank UK PLC (‘Barclays’) won’t refund the money they paid to a rogue builder. What happened In 2022, Mr and Mrs R were looking to have a loft conversion completed on their home. They searched online and found a company I’ll ... (5 pages)View decision -
Decision Reference DRN-5181590
2 Dec 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5181590 Complaint Mr S complains that Moneybarn No.1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the proper checks weren’t carried out and he was provided with finance that was unaffordable. Background In October 2016, Moneybarn... (4 pages)View decision -
Decision Reference DRN-5129079
2 Dec 2024 Lendable Ltd Not upheldConsumer CreditDRN-5129079 Complaint Mr D complains that Lendable Ltd (“Lendable”) irresponsibly provided him with an unaffordable loan. Background Lendable provided Mr D with a loan for £7,500.00 in February 2020. This loan was due to be repaid in 47 monthly instalments of £238.14 and a final instal... (3 pages)View decision -
Decision Reference DRN-5138704
2 Dec 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5138704 Complaint Mr I has complained about a credit card Bank of Scotland (trading as “Halifax”) provided to him. He says his financial situation was not considered adequately and this resulted in him being issued with a credit limit increases which he couldn’t afford. Background ... (4 pages)View decision -
Decision Reference DRN-5048638
2 Dec 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5048638 Complaint Mr J has complained about an overdraft that Bank of Scotland Plc (trading as “Halifax”) provided to him. He says the overdraft he was provided with, which was then had its limit increased, was unaffordable for him and he was allowed to continue using even when he ... (3 pages)View decision -
Decision Reference DRN-5048447
2 Dec 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-5048447 Complaint Mr C is unhappy with what TSB Bank plc (“TSB”) has agreed to do to put things right after he complained about his overdraft. Background Mr C has also complained about a credit card that TSB also provided to him. But we’ve explained at that we’re looking at his com... (3 pages)View decision -
Decision Reference DRN-5065477
2 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5065477 Complaint Mrs C has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided a credit card as well and the subsequent credit limit increases to her. She says that they were unaffordable and became unmanageable. Background Vanquis initially provided Mrs C with... (4 pages)View decision
