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 119142 results
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Decision Reference DRN-3554333
21 Jun 2022 Bank of Scotland Plc UpheldMortgagesDRN-3554333 The complaint Mr B’s complaint is about a failed mortgage application with Bank of Scotland plc trading as Halifax (BoS). The application failed because of a mistake by BoS and Mr B wants to be compensated for the financial losses and the upset and inconvenience he suffered. Wh... (7 pages)View decision -
Decision Reference DRN-3553845
21 Jun 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3553845 The complaint Mr S complains that Everyday Lending Limited, trading as Everyday Loans, lent to him irresponsibly and without carrying out proper affordability checks. He would like all the fees and charges associated with the loan refunded, and the default removed from his cred... (3 pages)View decision -
Decision Reference DRN-3181261
21 Jun 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3181261 The complaint Mr B complains that Bank of Scotland plc trading as Halifax hasn’t fully reimbursed him for the money he lost when he fell victim to a scam. What happened Mr B explains he was made aware of a high interest investment through a contractor that his wife was working ... (5 pages)View decision -
Decision Reference DRN-3398077
21 Jun 2022 Next Retail Limited UpheldConsumer CreditDRN-3398077 The complaint Ms S complains that Next Retail Limited (“Next Retail”) lent to her irresponsibly. What happened Ms S opened a credit account with Next Retail in 2005. She then entered into a debt management plan (“DMP”) so, from August 2015, her credit limit was suspended while ... (4 pages)View decision -
Decision Reference DRN-3553972
21 Jun 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3553972 The complaint Mr and Mrs W are unhappy Santander Bank UK plc hasn’t reimbursed them for their loss after they were the victim of a scam. What happened In June 2020 Mrs W used a popular pet sale forum to find a seller with a ‘cavapoo’ puppy for sale. She sought advice from a fri... (5 pages)View decision -
Decision Reference DRN-3454586
21 Jun 2022 Southern Pacific Mortgage Limited UpheldMortgagesDRN-3454586 The complaint Mrs P has complained about building insurance premiums added to her mortgage account by Southern Pacific Mortgage Limited trading as London Mortgage Company (LMC) between 2011 and 2018. Mrs P says that she had her own insurance cover in place and provided LMC with... (3 pages)View decision -
Decision Reference DRN-3436460
21 Jun 2022 Bank of Ireland (UK) Plc UpheldConsumer CreditDRN-3436460 Complaint Miss M has complained that Bank of Ireland (UK) Plc (“Bank of Ireland”) irresponsibly provided her with an unaffordable loan. Background Bank of Ireland provided Miss M with a Post Office Money branded personal loan for £20,000.00 in June 2020. The loan had an APR of ... (5 pages)View decision -
Decision Reference DRN-3484723
21 Jun 2022 A Shade Greener (Boilers) Llp UpheldConsumer CreditDRN-3484723 The complaint Mr W is unhappy with how A Shade Greener (Boilers) LLP (ASG) carried out its obligations to maintain a boiler it supplied to him under a conditional sale agreement. What happened In 2013, Mr W entered into a regulated conditional sale agreement with ASG for the su... (4 pages)View decision -
Decision Reference DRN-3328328
21 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3328328 The complaint Ms D, through a representative, says NewDay Ltd irresponsibly lent to her. What happened Ms D took out four credit cards from NewDay. A summary of her borrowing follows. card taken out initial limit, £ limit increase new limit, £ 1 Nov-17 450 - - 2 Aug-19 450 Mar-... (3 pages)View decision -
Decision Reference DRN-3532502
21 Jun 2022 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-3532502 The complaint Mr W complains that Moneybarn No. 1 Limited irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In May 2018, Mr W acquired a used car financed by a conditional sale agreement from Moneybarn. Mr W made an advance paymen... (3 pages)View decision
