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 125299 results
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Decision Reference DRN-3885565
10 Jan 2023 Indigo Michael Limited UpheldConsumer CreditDRN-3885565 The complaint Ms M has complained that Indigo Michael Limited (trading as Safety Net Credit (SNC)) didn’t complete enough affordability checks before approving her Safety Net facility. She said the facility put her into a cycle of re-borrowing where as soon as she’d paid her fa... (4 pages)View decision -
Decision Reference DRN-3890700
10 Jan 2023 American Express Services Europe Limited (AESEL) UpheldBanking and PaymentsDRN-3890700 The complaint Mr L complains that American Express Services Europe Limited (AESEL) said it was unable to consider a claim he made under section 75 of the Consumer Credit Act 1974. What happened Mr L bought a wetsuit from an online supplier (M) for £139.99. He wasn’t happy with ... (3 pages)View decision -
Decision Reference DRN-3880440
10 Jan 2023 Everyday Lending Limited UpheldConsumer CreditDRN-3880440 The complaint Ms T complains that Everyday Lending Limited, trading as Everyday Loans, lent to her irresponsibly and without carrying out proper affordability checks. She would like all the fees and charges associated with the loan refunded. What happened In November 2018 Every... (3 pages)View decision -
Decision Reference DRN-3886425
10 Jan 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3886425 The complaint Mrs J complains that Barclays Bank UK PLC trading as Barclaycard unfairly applied a default to her account. What happened I issued my provisional decision on this complaint on 18 November 2022, and this is what I said: I’ve considered the relevant information abou... (5 pages)View decision -
Decision Reference DRN-3890594
10 Jan 2023 Northern Bank Limited UpheldBanking and PaymentsDRN-3890594 The complaint Mr A, as the executor of the estate of Mr X, complains that Northern Bank Limited trading as Danske Bank (Danske Bank) allowed funds to be fraudulently taken from the late Mr X’s account. What happened Mr A says that cash withdrawals and in store purchases were ma... (5 pages)View decision -
Decision Reference DRN-3879746
10 Jan 2023 Everyday Lending Limited UpheldConsumer CreditDRN-3879746 Complaint Mrs P has complained about a guarantor loan Everyday Lending Limited (trading as "George Banco".com) provided to her. She says the loan was unaffordable. Background George Banco provided Mrs P with a guarantor loan for £5,000.00 in January 2018. This loan ha... (3 pages)View decision -
Decision Reference DRN-3872037
10 Jan 2023 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3872037 Complaint Mr E has complained about an overdraft and subsequent limit increases Bank of Scotland Plc (trading as “Halifax”) provided to him. He says the overdraft and subsequent limit increases were unaffordable and shouldn’t have been provided. He’s also complained that Halifa... (4 pages)View decision -
Decision Reference DRN-3887858
9 Jan 2023 Progressive Money Limited UpheldConsumer CreditDRN-3887858 The complaint Mrs W complains that Progressive Money Limited (PM) lent to her irresponsibly. What happened PM approved a loan application for Mrs W in July 2018. The loan was for £10,000 over 60 months wit monthly repayments of £347.80. Mrs W says PM was wrong to lend to her be... (1 page)View decision -
Decision Reference DRN-3836982
9 Jan 2023 Startline Motor Finance Limited UpheldConsumer CreditDRN-3836982 The complaint Mr W complains that a car acquired with finance from Startline Motor Finance Limited wasn’t of satisfactory quality. What happened In August 2021 Mr W was supplied with a car and entered into a hire purchase agreement with Startline. At the pint of supply, the car... (3 pages)View decision -
Decision Reference DRN-3876846
9 Jan 2023 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3876846 The complaint Ms P and Mr P complain they received poor service from Bank of Scotland plc trading as Halifax (Halifax). What happened Ms P and Mr P wanted to downgrade their existing current account to a different account so they could benefit from its rewards offers. They call... (3 pages)View decision
