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 119464 results
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Decision Reference DRN-3402217
29 Mar 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3402217 The complaint Mr V complains that Everyday Lending Limited (trading as Everyday Loans) was irresponsible to lend to him. What happened Mr V had four loans from Everyday Loans between May 2014 and October 2018 as follows: Loan Date Amount Term Repayment Due Repaid Joint 2 May 20... (2 pages)View decision -
Decision Reference DRN-3257396
29 Mar 2022 Calpe Insurance Company Limited UpheldInsuranceDRN-3257396 The complaint Mr P complains that Calpe Insurance Company Limited (“Calpe”) accepted liability for an accident despite him asking it not to do so, so that he could pursue the matter in court. What happened In August 2019 Mr P was involved in a collision at a roundabout. Mr P sa... (3 pages)View decision -
Decision Reference DRN-2910206
29 Mar 2022 Shawbrook Bank Limited UpheldConsumer CreditDRN-2910206 The complaint Mr S is unhappy with Shawbrook Bank Limited’s settlement offer following his claim under Section 75 of the Consumer Credit Act 1974 for some mis-sold solar panels. What happened The parties are aware of the detailed background to this complaint. So, I won’t repeat... (3 pages)View decision -
Decision Reference DRN-2850587
29 Mar 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2850587 The complaint Mr C complains Barclays Bank UK PLC (trading as Barclaycard) gave him a second credit card even though he had a credit card with them already and was struggling financially. What happened Mr C had a credit card with Barclaycard which he says he used in full. In Ma... (3 pages)View decision -
Decision Reference DRN-3367131
29 Mar 2022 Clydesdale Bank Plc UpheldMortgagesDRN-3367131 The complaint Mrs O has complained that Clydesdale Bank Plc declined her request to port (transfer) her mortgage onto another property and borrow additional funds (along with her partner). In order to proceed with her new purchase, Mrs O and her partner had to find another lend... (4 pages)View decision -
Decision Reference DRN-3358980
29 Mar 2022 Oakbrook Finance Limited UpheldConsumer CreditDRN-3358980 The complaint Ms M complains through her representative that Oakbrook Finance Limited trading as Likely Loans lent her money on high cost loans she was unable to afford to repay. What happened Oakbrook provided the following loans to Ms M (using figures rounded up or down): Dat... (4 pages)View decision -
Decision Reference DRN-3392888
29 Mar 2022 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-3392888 Complaint Mr B has complained that The Royal Bank of Scotland Plc (“RBS”) irresponsibly provided him with an overdraft which it continued applying charges on even when he was in financial difficulty. Background and my provisional decision of 11 March 2022 One of our investigato... (3 pages)View decision -
Decision Reference DRN-3257680
29 Mar 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3257680 The complaint Mr G complained that Madison CF UK Limited trading as 118 118 Money lent to him irresponsibly and provided him with an unaffordable loan. What happened Mr G was given a loan by 118 118 Money as follows: Date taken Amount Term Monthly repayment Total amount repayab... (4 pages)View decision -
Decision Reference DRN-3333513
29 Mar 2022 Oplo PL Ltd UpheldConsumer CreditDRN-3333513 The complaint Mr G says Oplo PL Ltd (Oplo) irresponsibly lent to him. He says he wasn’t properly informed about the contract. He also says that Oplo knew he was having repayment problems with his existing debts and it sold the loan knowing this. What happened This complaint is ... (3 pages)View decision -
Decision Reference DRN-3341555
29 Mar 2022 Monzo Bank Ltd UpheldBanking and PaymentsDRN-3341555 The complaint Mr M is unhappy that Monzo Bank Ltd (Monzo) didn’t do more to help him after he fell victim to a scam and lost £1,326.25 as a result. What happened The facts of this case are well-known to both parties, so I don’t need to repeat them at length here. In summary: M... (5 pages)View decision
