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 121115 results
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Decision Reference DRN-3972188
17 Feb 2023 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3972188 The complaint Miss S is unhappy that two of her accounts she held with Creation Consumer Finance Ltd are still showing on her credit file. What happened Miss S opened two accounts with Creation, in 2009 and 2011. Miss S believes they should no longer be showing on her credit fi... (5 pages)View decision -
Decision Reference DRN-3657053
17 Feb 2023 Gain Credit LLC UpheldConsumer CreditDRN-3657053 The complaint Ms W complains that Gain Credit LLC, trading as Drafty, lent to her when she could not afford it. What happened Your text here Briefly, Ms W applied for a credit facility of £2,000 in April 2018. Drafty approved a credit facility of £1,210 on 2 May 2018. The accou... (3 pages)View decision -
Decision Reference DRN-3972156
17 Feb 2023 American Express Services Europe Limited UpheldBanking and PaymentsDRN-3972156 The complaint Mr N complains about the standard of service he received from American Express Services Europe Limited when he used their live chat facility and tried to register a complaint. What happened I issued my provisional decision on this complaint on 18 January 2023, and... (3 pages)View decision -
Decision Reference DRN-3959890
17 Feb 2023 Everyday Lending Limited UpheldConsumer CreditDRN-3959890 Complaint Ms D has complained about a loan Everyday Lending Limited (trading as “Everyday Loans”) provided to her. She says the loan was unaffordable and therefore should never have been provided to her. Background Everyday Loans provided Ms D with a loan for £10,000.00 in May ... (3 pages)View decision -
Decision Reference DRN-3958780
17 Feb 2023 Everyday Lending Limited UpheldConsumer CreditDRN-3958780 Complaint Miss M has complained about a loan Everyday Lending Limited (trading as “Everyday Loans”) provided to her. She says the loan was unaffordable. Background Everyday Loans provided Miss M with a loan for £4,000.00 in July 2019. This loan had an APR of 77.7% and a term of... (3 pages)View decision -
Decision Reference DRN-3970907
17 Feb 2023 Northern Bank Limited UpheldBanking and PaymentsDRN-3970907 The complaint Ms S complains that Northern Bank Limited (trading as Danske Bank) failed to refund £30,000 she lost as part of an investment scam. What happened The details of this complaint are well known to both parties, so I won’t repeat everything again here. Instead, I will... (4 pages)View decision -
Decision Reference DRN-3944284
16 Feb 2023 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3944284 The complaint Mr F complains about the standard of service from Lloyds Bank PLC and being prevented from accessing his bank account whilst overseas. What happened I issued my provisional decision on this complaint on 19 January 2023, and this is what I said: I’ve considered the... (5 pages)View decision -
Decision Reference DRN-3972098
16 Feb 2023 Santander UK Plc UpheldBanking and PaymentsDRN-3972098 The complaint Mrs G complains about Santander UK Plc’s actions when they stopped her cheques and blocked her account. What happened I issued my provisional decision on this complaint on 9 January 2023, and this is what I said: I’ve considered the relevant information about this... (5 pages)View decision -
Decision Reference DRN-3970092
16 Feb 2023 Standard Life Assurance Limited UpheldPensions and AnnuitiesDRN-3970092 The complaint Mr H complains about Standard Life Assurance Limited. He says that it caused delays in transferring his Self-Invested Personal Pension (SIPP) and that this has caused him a financial loss. What happened In November 2019, Mr H completed a form to transfer his funds... (4 pages)View decision -
Decision Reference DRN-3970073
16 Feb 2023 Elderbridge Limited UpheldMortgagesDRN-3970073 The complaint Mr and Mrs W complain that Elderbridge Limited (“Elderbridge”) did not make them aware that interest on their secured loan was being suppressed and held in a separate sub- account. This meant that there was around £30,000 outstanding when they thought the loan sho... (5 pages)View decision
