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 125399 results
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Decision Reference DRN-4736154
11 Apr 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4736154 The complaint Ms P complaints that Zopa Bank Limited (“Zopa”) gave her a loan she couldn’t afford to repay. What happened In January 2022 Zopa gave Ms P a loan for £15,000. The loan was to be repaid over 36 months at a monthly repayment of £514.63. The APR on the loan was 15.2%... (3 pages)View decision -
Decision Reference DRN-4659337
11 Apr 2024 Bamboo Limited UpheldConsumer CreditDRN-4659337 The complaint Ms C complains that Bamboo Limited lent to her when she was not able to afford it. Ms C also complains that she cannot afford to repay the capital of the loan and wants it written off. In addition, Ms C complains about an assignment document and that the solicitor... (4 pages)View decision -
Decision Reference DRN-4704957
11 Apr 2024 Barclays Bank UK PLC UpheldMortgagesDRN-4704957 The complaint Mr and Mrs H complain that Barclays Bank UK PLC unfairly declined to extend the term of their interest only mortgage. What happened The term of Mr and Mrs H’s interest only mortgage expired in April 2022 with an unpaid balance. They asked Barclays to extend the te... (6 pages)View decision -
Decision Reference DRN-4626719
11 Apr 2024 Royal & Sun Alliance Insurance Limited UpheldInsuranceDRN-4626719 The complaint Mr S complains that Royal & Sun Alliance Insurance Limited (“RSA”) has unfairly handled a theft claim under his home insurance policy leading to his insurance being voided. Any reference to Mr S or RSA includes respective agents and representatives. What happe... (7 pages)View decision -
Decision Reference DRN-4735955
11 Apr 2024 UCB Home Loans Corporation Ltd UpheldMortgagesDRN-4735955 The complaint Mr L complains about the way UCB Home Loans Corporation Ltd dealt with his buy to let mortgage after the term expired. What happened The term of Mr L’s interest only buy to let mortgage expired in late 2021 with an unpaid balance. UCB agreed informal term extensio... (3 pages)View decision -
Decision Reference DRN-4731722
11 Apr 2024 Epayments Systems Ltd UpheldBanking and PaymentsDRN-4731722 The complaint Mr P complains Epayments Systems Ltd (“Epayments”) won’t refund him his funds despite providing all the documents he’s been requested to. And that its unfairly evolving and making the process difficult. What happened As both parties are aware of the background of ... (3 pages)View decision -
Decision Reference DRN-4731802
11 Apr 2024 National Savings and Investments UpheldBanking and PaymentsDRN-4731802 The complaint Mr J, who has difficulties with verbal communication, is unhappy that National Savings and Investments (“NS&I”) didn’t provide clear information about how they would use the phone number he provided them in his application, or with the support he received when... (4 pages)View decision -
Decision Reference DRN-4707532
11 Apr 2024 Accredited Insurance (Europe) Ltd UpheldInsuranceDRN-4707532 The complaint Mr F complains Accredited Insurance (Europe) Ltd unfairly declined his motor insurance claim. Accredited has been represented at points by an agent. For simplicity I’ve referred to the agent’s actions as being Accredited own. What happened In October 2022 Mr F mad... (3 pages)View decision -
Decision Reference DRN-4657570
11 Apr 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4657570 The complaint Mrs B is unhappy that Barclays Bank UK PLC (‘Barclays’) didn’t reimburse her when she was the victim of a scam and with the service it provided. What happened Mrs B says that on the evening of 24 March 2022 she received a telephone call from someone who claimed to... (3 pages)View decision -
Decision Reference DRN-4724610
11 Apr 2024 Barclays Bank UK PLC UpheldMortgagesDRN-4724610 The complaint Ms G and Mr V complain that Barclays Bank UK PLC didn’t tell them that getting permission to let their property out would restrict the choice of interest rates they could take on their mortgage. What happened Ms G and Mr V have a mortgage with Barclays. The loan i... (5 pages)View decision
