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 5443 results
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Decision Reference DRN-4835878
29 Jul 2024 J D Williams & Company Limited Not upheldConsumer CreditDRN-4835878 Complaint Mr R has complained that J D Williams & Company Limited (“J D Williams”) irresponsibly provided him with a catalogue shopping account and subsequent credit limits. Background This complaint is about a catalogue shopping account J D Williams initially provided ... (4 pages)View decision -
Decision Reference DRN-3098354
9 Feb 2022 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-3098354 The complaint Mr M complains that Capital One (Europe) plc provided him with credit irresponsibly. What happened Mr M’s credit card account was opened in February 2015 with a credit limit of £200. In May 2017 the credit limit was increased to £450. Mr M complained to Capital On... (4 pages)View decision -
Decision Reference DRN-2004512
15 Jul 2020 Gracombex Ltd UpheldConsumer CreditDRN-2004512 The complaintMr D complains that Gracombex Ltd trading as The Money Platform (“TMP”) lent to him in an irresponsible manner. What happenedI issued a provisional decision on this complaint earlier this month that I summarise below.Mr D was given 27 loans by TMP between July 201... (4 pages)View decision -
Decision Reference DRN-3885848
18 Apr 2023 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3885848 The complaint Mr A complains that National Westminster Bank Plc added a marker at CIFAS, the national fraud database, when it closed his account. What happened NatWest said that it received a report that credits of £1,680 paid into Mr A’s account on 23 January 2017 were fraudul... (3 pages)View decision -
Decision Reference DRN-3157754
23 Dec 2021 Street (UK) C.I.C. Not upheldConsumer CreditDRN-3157754 The complaint Mr W complains that the loan he had from Street (UK) C.I.C. was unaffordable to him. What happened Mr W borrowed £200 from Street UK on 7 November 2019. The loan was due to be repaid by 12 four-weekly instalments of £25. Mr W says the repayments were unaffordable ... (3 pages)View decision -
Decision Reference DRN-4652026
26 Mar 2024 Startline Motor Finance Limited Not upheldConsumer CreditDRN-4652026 Complaint Ms S complains that Startline Motor Finance Limited (“Startline”) unfairly entered into a hire- purchase agreement with her. She’s said the monthly payments to the agreement were not affordable and so she shouldn’t have been accepted for it. Background In January 2022... (5 pages)View decision -
Decision Reference DRN-3272586
24 Jan 2022 Bamboo Limited UpheldConsumer CreditDRN-3272586 The complaint Mr S complains about two loans from Bamboo Limited, trading as Bamboo Loans, (“Bamboo”), which he says were unaffordable. What happened Mr S was given two loans by Bamboo. Loan 1 was for £5,000 and was taken out in March 2019. Loan 2 was for £5,200 and was taken o... (8 pages)View decision -
Decision Reference DRN1949778
22 Jun 2016 Barclays Bank Plc Not upheldBanking and creditMrs B complains that Barclays Bank Plc closed her account. The bank did this after it said her husband was abusive to its staff when he was speaking to them about problems with the account. Mrs B’s helped in her complaint by her husband.backgroundAlthough the acc... (2 pages)View decision -
Decision Reference DRN0353598
6 Jul 2016 Covea Insurance plc UpheldInsurance (excluding PPI)S, a limited company, complains about the settlement of a claim by Covea Insurance plc under a commercial insurance policy.backgroundS made a claim under the policy following a theft. The person responsible for the theft was an ex-employee (who I’ll call Mr Z). The ... (3 pages)View decision -
Decision Reference DRN-5071835
20 Dec 2024 Revolut Ltd Not upheldBanking and PaymentsDRN-5071835 The complaint Mr F complains that Revolut Ltd hasn’t helped him recover a payment that was sent to his account by another company. What happened In April 2024, Mr F instructed a company to transfer some money to his account with Revolut. The money was never received though a... (2 pages)View decision