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-3457806
5 May 2022 Symmetric Systems Ltd UpheldClaims ManagementDRN-3457806 The complaint Mrs N and Mr N complain that Symmetric Systems Ltd trading as BankSmart (Symmetric) are unfairly asking them to pay cancellation fees for payment protection insurance (PPI) and default charge claims. For ease of reading I’ll only refer to Mrs N in my decision. Wha... (4 pages)View decision -
Decision Reference DRN-3427956
5 May 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3427956 The complaint Miss W complained that Everyday Lending Limited trading as Everyday Loans lent to her irresponsibly and provided lending that was unaffordable. What happened Miss W took out loans with Everyday Loans as follows: Loan Date taken Loan amount Term Monthly payment Amo... (3 pages)View decision -
Decision Reference DRN-3254813
5 May 2022 Cynergy Bank Limited UpheldBanking and PaymentsDRN-3254813 The complaint Mr S complains Cynergy Bank Limited won’t reimburse transactions he didn’t make or otherwise authorise. The full details of this complaint are known to both parties, so I won’t repeat them again here. Instead, I’ll recap the key points and focus on giving reasons ... (3 pages)View decision -
Decision Reference DRN-3464216
5 May 2022 Arrow Global Limited UpheldConsumer CreditDRN-3464216 The complaint Miss H has complained that Arrow Global Limited defaulted her account after writing to the wrong address. What happened This complaint surrounds a credit card account. Miss H had been in a payment plan with the original creditor since 2011, which she had kept up w... (4 pages)View decision -
Decision Reference DRN-3369683
5 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3369683 The complaint In summary, Mr C has complained that NewDay Ltd trading as Aquacard, provided him with credit limit increases on his credit card, when he wasn’t able to afford them. What happened In March 2012, NewDay provided Mr C with a credit card. The initial credit limit was... (5 pages)View decision -
Decision Reference DRN-3319042
5 May 2022 PayPal (Europe) Sarl et Cie SCA UpheldBanking and PaymentsDRN-3319042 The complaint Miss A complains that PayPal (Europe) Sarl et Cie SCA didn’t refund her for an item, after she raised a claim under its Buyer Protection policy. What happened Miss A used her PayPal account to purchase a bracelet from a seller online. Miss A paid £1,000 for the it... (3 pages)View decision -
Decision Reference DRN-3379492
5 May 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3379492 The complaint Mr and Mrs C have complained that Lloyds Bank PLC (“Lloyds”) failed to deal properly with the cancellation of a cheque – resulting in them going significantly overdrawn. What happened Towards the end of 2021, Mr and Mrs C opened a new savings account with a buildi... (3 pages)View decision -
Decision Reference DRN-3462517
5 May 2022 Omni Capital Retail Finance Limited UpheldConsumer CreditDRN-3462517 Complaint Mr M has complained that Omni Capital Retail Finance Limited rejected his claim against it under Section 75 of the Consumer Credit Act 1974. Background Mr M bought solar panels for his home in 2017. The purchase was funded by a loan from OCR, and that business is ther... (3 pages)View decision -
Decision Reference DRN-3463409
5 May 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3463409 The complaint Mr E complains through his representative that Everyday Lending Limited lent him money on a high interest loan which he was unable to afford to repay. What happened Everyday provided Mr E with a loan on 28 January 2019, for £5,500, repayable in 36 monthly instalme... (4 pages)View decision -
Decision Reference DRN-3451963
5 May 2022 Ikano Bank AB (publ) UpheldConsumer CreditDRN-3451963 The complaint Miss L complains that Ikano Bank AB (publ) rejected her claim under s 75 Consumer Credit Act 1974 in respect of faulty furniture. What happened In August 2020, Miss L purchased two sofas funded by an interest free point of sale loan. The sofas were delivered sever... (3 pages)View decision
