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 163568 results
-
Decision Reference DRN-5238128
6 Feb 2025 Gain Credit LLC Not upheldConsumer CreditDRN-5238128 The complaint Mr D complains that Gain Credit LLC trading as Lending Stream (“Lending Stream”) gave him loans without carrying out sufficient affordability checks. What happened A summary of Mr D’s borrowing can be found below. loan number loan amount agreement date repaym... (4 pages)View decision -
Decision Reference DRN-5248049
6 Feb 2025 Lloyds Bank PLC Not upheldConsumer CreditDRN-5248049 The complaint Mr B complains that Lloyds Bank PLC refused his offer of repayment, defaulted his loan account and ended his agreement. What happened Mr B held a loan account with Lloyds. In March 2021 the account fell into arrears. On 2 March 2021 Lloyds issued an arrears let... (2 pages)View decision -
Decision Reference DRN-5275453
6 Feb 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5275453 The complaint Mr D complains that Barclays Bank UK PLC froze his account without warning following his obtaining a debt relief order (DRO). What happened Mr D entered into a DRO, which was issued on 11 November 2024. Barclays received this through the official receiver on 14... (2 pages)View decision -
Decision Reference DRN-5026671
6 Feb 2025 Santander UK Plc UpheldBanking and PaymentsDRN-5026671 The complaint Mr B and Ms M complain that Santander UK Plc hasn’t refunded them after they discovered they’d fallen victim to a scam. What happened The background to this complaint is well-known to all parties, and so my summary here will be relatively brief. Mr B and Ms M l... (5 pages)View decision -
Decision Reference DRN-5195922
6 Feb 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5195922 The complaint Mr S complains that HSBC UK Bank Plc (‘HSBC’), irresponsibly granted him a credit card he couldn’t afford to repay. What happened In April 2015 Mr S entered into an agreement with HSBC to have access to credit by way of a credit card account. He was given an i... (3 pages)View decision -
Decision Reference DRN-4880998
6 Feb 2025 Santander UK Plc UpheldBanking and PaymentsDRN-4880998 The complaint Mr Q complains that Santander UK Plc won’t refund the money he lost when he was the victim of a scam. What happened Mr Q was the victim of a cryptocurrency investment scam after being contacted on a mobile messaging service app. He believed he was chatting wit... (4 pages)View decision -
Decision Reference DRN-4942847
6 Feb 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-4942847 The complaint Mr Y is unhappy that Santander UK Plc placed restrictions on his accounts and didn’t give him clear information about what he needed to provide in order to have them removed. What happened Mr Y has told us: Santander placed restrictions on his current and s... (4 pages)View decision -
Decision Reference DRN-5124263
6 Feb 2025 RCI Financial Services Limited Not upheldConsumer CreditDRN-5124263 The complaint Mr H complains about the quality of the car RCI Financial Services trading as Nissan Financial Services supplied him. Mr H says the car isn’t functioning as it should and wants to return the car and end his agreement with RCI. What happened Mr H entered into a... (4 pages)View decision -
Decision Reference DRN-5251569
6 Feb 2025 Tesco Personal Finance Limited Not upheldBanking and PaymentsDRN-5251569 The complaint Mr R complains that Tesco Personal Finance Limited trading as Tesco Bank allowed him to exceed his credit limit with a money transfer. What happened Mr R processed two money transfers on consecutive days on the Tesco application (app). But as the app takes two ... (2 pages)View decision -
Decision Reference DRN-5312043
6 Feb 2025 Quilter Mortgage Planning Limited UpheldMortgagesDRN-5312043 The complaint Mr B and Miss W complain about the advice received from Harris Begley Lifetime Partners Limited, a mortgage broker and appointed representative of Quilter Mortgage Planning Limited. They say they weren’t given correct information about a government Help To Buy ... (4 pages)View decision
