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 70898 results
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Decision Reference DRN1576059
22 Feb 2016 Erudio Student Loans Limited Not upheldBanking and creditMr and Mrs M have complained about Erudio Student Loans Limited’s actions in respect of their student loans.backgroundMr and Mrs M had student loans with a third party. These were later assigned to Erudio. Mr and Mrs M have complained about a number of aspects about ... (2 pages)View decision -
Decision Reference DRN7096646
31 Dec 2018 Prac Financial Limited Not upheldBanking and creditMr K is unhappy with how PRAC Financial Limited (PRAC) pursued him for a debt which he thought was settled. PRAC generally acted through its legal representative – but for ease, I’ve just referred to PRAC in my decision. backgroundIn January 2017, a lender wrote t... (4 pages)View decision -
Decision Reference DRN-3505684
30 Jun 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3505684 The complaint Mr N says AvantCredit of UK, LLC irresponsibly lent to him. What happened Mr N took out a 24-month instalment loan for £7,000 from AvantCredit on 15 May 2016. The monthly repayments were £426.48 and the total repayable was £10,235.56. Mr N says the lender did not ... (5 pages)View decision -
Decision Reference DRN-4577414
28 Feb 2024 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-4577414 The complaint Ms J complains that Clydesdale Bank Plc trading as Virgin Money was irresponsible when it offered her a credit card account. What happened Virgin Money opened a credit card account for Ms J in June 2022 with a credit limit of £4,100. I understand that the limit wa... (3 pages)View decision -
Decision Reference DRN1996111
22 Sep 2016 Robinson Way Limited Not upheldBanking and creditMr W complains that Robinson Way Limited is asking him to repay a debt that he disputes. backgroundRobinson Way pursued Mr W in respect of a debt. Mr W says that, even though he has made it clear to Robinson Way that he disputes liability and does not consider the d... (2 pages)View decision -
Decision Reference DRN-4685619
18 Mar 2024 RCI Financial Services Limited Not upheldConsumer CreditDRN-4685619 The complaint Miss S has complained that RCI Financial Services Limited (“RCI”) wants to repossess the car that she acquired in December 2020 using a hire purchase agreement, even though she says there is an arrangement in place to repay arrears on the agreement. What happened ... (7 pages)View decision -
Decision Reference DRN5556163
16 Aug 2019 MBNA Limited Not upheldBanking and creditMr S complains MBNA Limited reported inaccurate information to the credit reference agencies.backgroundMr S has two credit cards with MBNA. For the purposes of this decision, I will only be considering account ending 1801 as this is the account Mr S has complained about. However, I will al... (3 pages)View decision -
Decision Reference DRN3798512
18 Apr 2019 Retail Money Market Ltd Not upheldBanking and creditMr P complains that Retail Money Market Ltd (trading as RateSetter) did not carry out adequate affordability checks before lending to him and provided him with money he couldn’t afford to repay. He also complains that a large arrangement fee was added to the loan.bac... (4 pages)View decision -
Decision Reference DRN4025124
23 Aug 2013 Barclays Bank Plc Not upheldBanking and creditMr A complains that Barclays Bank Plc, (trading as Barclaycard), accepted a sum in full and final settlement of the amount he owed on his credit card, but then later asked him to repay the outstanding balance. Mr A is also unhappy that the debt has been passed to different debt collectors... (2 pages)View decision -
Decision Reference DRN9872271
27 May 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs W complain about errors and poor service from The Royal Bank of Scotland Plc (RBS) in relation to its handling of their accounts. background I will briefly summarise the background to this complaint. Mr W ran a business which unfortunately ran into financial difficulty in abou... (2 pages)View decision
