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 71745 results
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Decision Reference DRN7627589
29 Mar 2018 Barclays Bank Plc UpheldBanking and creditMrs C complains that Barclays Bank Plc is acting unfairly and unreasonably by recording a shortfall debt as a default in her credit records following her bankruptcy and demanding repayment. She wants it to amend her credit records, stop asking her for money and compen... (3 pages)View decision -
Decision Reference DRN-5594295
30 May 2025 Loans 2 Go Limited Not upheldConsumer CreditDRN-5594295 The complaint Mrs O complains that Loans 2 Go Limited changed the date her loan repayment became due without telling her. She says this has resulted in her debt being passed to a third-party. What happened Mrs O took out a loan account with Loans 2 Go. She says she agreed w... (6 pages)View decision -
Decision Reference DRN6269876
14 Jan 2014 Lloyds Bank PLC Not upheldBanking and creditMr K complains about a personal guarantee he gave Lloyds Bank PLC (formerly Lloyds TSB Bank Plc) and the way it has dealt with him.backgroundMr K provided two personal guarantees to Lloyds to cover the liabilities of a limited company. The company’s accounts were closed in 2007. After ... (2 pages)View decision -
Decision Reference DRN4801097
24 Nov 2017 Barclays Bank Plc Not upheldBanking and creditMrs P complained that she shouldn’t be liable for a debt to Barclays Bank PLC, trading as Woolwich. Her partner, who had jointly held the mortgage, had accrued the debt on the mortgage current account.backgroundMrs P bought a property around 15 years ago, and in 2011 she... (3 pages)View decision -
Decision Reference DRN7413166
18 Dec 2017 Angel Advance Limited Not upheldBanking and creditMr V complains that a county court judgment was entered against him at a time when Angel Advance Limited was managing his debts.backgroundMr V entered into an agreement with Angel Advance to manage his debts. This involved Mr V paying a monthly payment, part of whi... (2 pages)View decision -
Decision Reference DRN1207372
31 May 2016 PRA Group (UK) Limited Not upheldBanking and creditMs N complains that PRA Group (UK) Limited is chasing her for a debt dating back to 2002. She wants PRA to stop contacting her, and to remove adverse information relating to this debt on her credit file.backgroundMs N said: The debt relates to a student bank account ... (2 pages)View decision -
Decision Reference DRN-4039127
21 Jun 2023 Fluent Money Limited Not upheldMortgagesDRN-4039127 The complaint Miss P’s complaint is about a second charge mortgage she arranged through Fluent Money Limited in 2018. She has said Fluent didn’t properly establish, and then assess, her needs and circumstances, and so the loan was not suitable for her and was mis-sold. She has ... (5 pages)View decision -
Decision Reference DRN-3469758
27 Jun 2022 Arrow Global Limited Not upheldConsumer CreditDRN-3469758 The complaint Mr C is unhappy that Arrow Global Limited has asked him to repay a debt without giving him evidence that he’s liable for it. What happened In May 2012 Arrow bought an outstanding debt in Mr C’s name. The debt relates to a credit card with a business I will refer t... (2 pages)View decision -
Decision Reference DRN-5049571
4 Oct 2024 HSBC UK Bank Plc UpheldConsumer CreditDRN-5049571 The complaint Mr W complains that HSBC UK Bank Plc (“HSBC”) irresponsibly agreed a loan for him. What happened HSBC agreed a loan of £30,000 for Mr W in February 2023. The total amount owed was £51,420.48 to be repaid at £535.63 a month over 96 months. Mr W met his repayme... (5 pages)View decision -
Decision Reference DRN-2734545
20 Jul 2021 Brent Shrine Credit Union Limited Not upheldConsumer CreditDRN-2734545 The complaint Mr B complains that Brent Shrine Credit Union Limited, trading as My Community Bank, is reporting a default on his credit file. What happened In 2018 Mr B borrowed £4,000 from My Community Bank (MCB). In 2019 he lost his job due to mental illness, and he fell into... (2 pages)View decision
