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 1466 results
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Decision Reference DRN-2360931
2 Mar 2021 TM Advances Limited UpheldConsumer CreditDRN-2360931 The complaint Mr M complains that TM Advances Limited (“TMA”) lent to him in an irresponsible manner. He also complains that the lender failed to treat him fairly when he faced difficulties repaying his borrowing. What happened Mr M was given a single loan by TMA. He borrowed £... (3 pages)View decision -
Decision Reference DRN1099396
11 Nov 2020 Barclays Bank UK PLC Not upheldBanking and creditMrs J and Mr J complain that Barclays Bank UK PLC hasn’t treated them fairly when they experienced financial difficulty with their mortgage. Although Mr J has joined the complaint, it has been conducted by Mrs J. She says Barclays hasn’t been sympathetic. It hasn’t agreed concessions to he... (3 pages)View decision -
Decision Reference DRN-3091122
23 Nov 2021 Oakbrook Finance Limited Not upheldConsumer CreditDRN-3091122 The complaint Miss R says Oakbrook Finance Limited (trading as Likely Loans) lent to her irresponsible. What happened Miss R took out a 12-month instalment loan for £2,500 on 24 March 2021 from Likely Loans. The monthly repayment was £266.06 and the total repayable was £3192.3... (3 pages)View decision -
Decision Reference DRN9890261
7 Feb 2019 Santander UK Plc Not upheldBanking and creditMr and Mrs M complain about the lack of options Santander UK Plc gave them when Mr M took ill and they had financial difficulties. Mr and Mrs M were looking a fair mortgage deal with Santander,backgroundMr and Mrs M had a mortgage with Santander. They made thei... (3 pages)View decision -
Decision Reference DRN-3780081
13 Jan 2023 Startline Motor Finance Limited Not upheldConsumer CreditDRN-3780081 The complaint Mr R complains about a default notice that was issued to him, in relation to a hire purchase agreement with STARTLINE MOTOR FINANCE LIMITED (SMF). What happened In February 2022, Mr R acquired a used car through a hire purchase agreement from SMF. The car was arou... (3 pages)View decision -
Decision Reference DRN9986618
21 Oct 2014 Nationwide Building Society Not upheldPayment protection insurance (PPI)Mr and Mrs B complain about a single premium payment protection insurance policy (“PPI”) added to their loan account by Nationwide Building Society (“Nationwide”). They approached Nationwide for a loan to fund home improvements in December 2003. They complain that they were mis-sold th... (3 pages)View decision -
Decision Reference DRN6323271
28 Nov 2013 C.E.M. Day Ltd Not upheldPayment protection insurance (PPI)Mrs L complains about a regular premium payment protection insurance (“PPI”) policy sold to her alongside a hire purchase arrangement to finance a car. The PPI was sold to her by C.E.M Day Ltd (“CEM”) in April 2008.backgroundMrs L complained to CEM however they did not uphold Mrs L’s com... (3 pages)View decision -
Decision Reference DRN9327773
31 Jan 2014 Nationwide Building Society Not upheldPayment protection insurance (PPI)Miss R and Mr S complain about a monthly mortgage payment protection insurance (“MPPI”) policy sold to them when arranging a mortgage with Nationwide Building Society (“Nationwide”). They approached Nationwide in March 2003 to arrange a re-mortgage. It was during this transaction the ... (3 pages)View decision -
Decision Reference DRN1698371
27 Jun 2014 Bank of Scotland Plc UpheldBanking and creditThis complaint is about a mortgage Ms V holds with Bank of Scotland plc trading as Halifax. Ms V is unhappy with the way Halifax explained an arrangement it agreed for her to make no mortgage payments for three months. She is also unhappy with the way Halifax dealt with her when the arra... (3 pages)View decision -
Decision Reference DRN6886223
30 Nov 2017 Santander UK Plc Not upheldBanking and creditMr G and Miss S complain that they were advised by Santander UK Plc to reduce the monthly payments on their mortgage without the consequences of doing so being properly explained. As a result the arrears recorded on their credit files have affected their ability to... (3 pages)View decision