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 118878 results
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Decision Reference DRN-3233917
1 Apr 2022 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3233917 The complaint Mr D is a sole trader. He complains that Lloyds Bank Plc unfairly declined his Bounce Back Loan application. What happened Mr D decided to apply for a business account with Lloyds so he could then apply for a Bounce Back Loan (BBL) on 28 June 2020. His personal ac... (3 pages)View decision -
Decision Reference DRN-3411592
1 Apr 2022 Ikano Bank AB (publ) UpheldConsumer CreditDRN-3411592 The complaint Mr L is unhappy with several aspects of the service he’s received from Ikano Bank AB (publ) surrounding his request to change a direct debit date. What happened Mr L contacted Ikano because he wanted to change that date of a monthly direct debit payment. The direc... (3 pages)View decision -
Decision Reference DRN-3406074
1 Apr 2022 Arrow Global Limited UpheldMortgagesDRN-3406074 The complaint Mr A complains about a second charge secured loan he had with Arrow Global Limited. Mr A believes the fees and charges applied to his account have been added unfairly and the interest rate applied to the loan is also unfair. What happened In June 2005, Mr A agree... (3 pages)View decision -
Decision Reference DRN-3411218
1 Apr 2022 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3411218 The complaint Ms W has complained that Creation Consumer Finance Ltd rejected her claim against it under Section 75 of the Consumer Credit Act 1974. What happened Ms W bought solar panels for her home in January 2016. The purchase was funded by a loan from Creation, and that bu... (4 pages)View decision -
Decision Reference DRN-3410830
31 Mar 2022 The Funding Corporation Limited UpheldConsumer CreditDRN-3410830 The complaint Mrs A has complained that The Funding Corporation Limited (TFC) lent to her irresponsibly. What happened I issued a provisional decision about this complaint in March 2022 that I summarise below. Mrs A entered into a credit agreement for a loan of £6,999 from TFC ... (5 pages)View decision -
Decision Reference DRN-3410446
31 Mar 2022 CMC Markets UK plc UpheldInvestmentsDRN-3410446 The complaint Mr K complains about the cash oil positions in his Contracts for Difference account held with CMC Markets UK plc and their decision to rebase to a December futures contract. He also says they have kept the current price of oil artificially low when the market has ... (5 pages)View decision -
Decision Reference DRN-3285223
31 Mar 2022 Shawbrook Bank Limited UpheldConsumer CreditDRN-3285223 The complaint Mr S is unhappy with the response of Shawbrook Bank Limited (Shawbrook) following a claim against it under Section 75 of the Consumer Credit Act 1974 (“CCA”). What happened Mr S was approached by a company that supplied and installed solar panel systems in Decembe... (4 pages)View decision -
Decision Reference DRN-3304376
31 Mar 2022 AXA Insurance UK Plc UpheldInsuranceDRN-3304376 The complaint Mr and Mrs G are unhappy with how AXA Insurance UK Plc (‘AXA’) dealt with a claim they made on their home insurance policy. They say AXA has only offered to proportionately settle the buildings part of this claim. AXA are the underwriters of this insurance policy.... (6 pages)View decision -
Decision Reference DRN-3034280
31 Mar 2022 The Co-operative Bank Plc UpheldBanking and PaymentsDRN-3034280 The complaint Mr H complains that The Co-operative Bank Plc restricted access to his account. He’d like the account unrestricted and compensation for the impact on him. What happened Mr H has an account with the Co-op. He’s represented by Ms W. Mr H is unhappy that the Co-op re... (3 pages)View decision -
Decision Reference DRN-3409798
31 Mar 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3409798 The complaint Mr S is unhappy that Barclays Bank UK PLC won’t refund money he lost from his personal account as part of a scam. What happened In March 2019, a series of payments were made from Mr S’s personal account as a result of Mr S’s involvement with a fraudulent broker, ... (6 pages)View decision
