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 70661 results
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Decision Reference DRN8926548
10 Jan 2014 MKDP LLP Not upheldBanking and creditMr B complains that MKDP LLP is pursuing him for a debt, but has failed to provide him with necessary information about that.background In 2008 Mr B took out a loan with another business which I shall call C. In 2010, when Mr B had significant arrears on the account, C sold the debt t... (2 pages)View decision -
Decision Reference DRN-4785247
5 Jun 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4785247 The complaint Miss M complains that Zopa Bank Limited lent irresponsibly when it approved a loan for £12,000. What happened In February 2022 Miss M applied for a £12,000 loan with Zopa. Zopa says the application was made for debt consolidation purposes. In her application, Miss... (3 pages)View decision -
Decision Reference DRN-4152313
28 Jun 2023 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4152313 The complaint Mr T complains that Tesco Personal Finance PLC trading as Tesco Bank (Tesco) irresponsibly issued a credit card to him, and increased the credit limit, which he couldn’t afford the repayments on. I appreciate that he made a joint complaint with his wife, but as th... (4 pages)View decision -
Decision Reference DRN1889025
31 Jan 2014 Marlin Europe II Limited Not upheldBanking and creditMr V complains about the actions Marlin Europe II Limited took in pursuing him for a debt that he says he does not owe and that it would not deal with his representative.backgroundIn November 2012 Mr V’s debt that had already defaulted, was assigned to Marlin Europe by the original len... (2 pages)View decision -
Decision Reference DRN7775199
13 Oct 2015 Sterling Financial Security Ltd UpheldBanking and creditMiss M complains Sterling Financial Security Ltd agreed to help her reduce her debts but hasn’t done so.backgroundIn 2009 Miss M agreed that Sterling Financial Security – known as “Best Solution” – would help reduce her debts. Miss M paid £150 a month to Best Solutio... (2 pages)View decision -
Decision Reference DRN-1129065
2 Apr 2020 Vanquis Bank Limited UpheldBanking and PaymentsDRN-1129065 The complaintMr B complains that Vanquis Bank Limited only defaulted his account in March 2019, although he told it about his financial difficulties in 2015 and agreed a payment plan then. He said that all the other companies he owed money to applied defaults back in 2015. What... (2 pages)View decision -
Decision Reference DRN9481154
27 Mar 2017 Vanquis Bank Limited Not upheldBanking and creditMr G complains that Vanquis Bank Limited sold on the debt of his credit card balance when it had previously agreed to cancel it. The amount he’s being asked to pay now is more than the original amount of the debt.backgroundMr G had a credit card with Vanquis. In ... (2 pages)View decision -
Decision Reference DRN-4771780
9 Jun 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4771780 The complaint Miss G complains that Zopa Bank Limited (“Zopa”) defaulted her account and sold the debt to a third party. What happened Miss G applied for a loan with Zopa on 14 February 2020. The loan was for the sum of £20,000 with monthly repayments of £375.88 due on the 14 t... (2 pages)View decision -
Decision Reference DRN5035634
12 Feb 2019 The Royal Bank of Scotland Plc Not upheldBanking and creditMr M complains that The Royal Bank of Scotland plc (RBS) put a charge on his property. He doesn’t believe it should have done so as he was in the process of setting up a trust deed at the time. Mr M would like the charge taken off his property.backgroundMr M says i... (3 pages)View decision -
Decision Reference DRN6119211
23 Jun 2016 Bank of Scotland Plc Not upheldBanking and creditMr G complains that Bank of Scotland plc (trading as “Halifax”) has not treated him fairly in that it will not allow him to choose the debt towards which his overpayments should be credited. He says this has caused him a loss of £998 including distress and inconven... (2 pages)View decision
