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 69825 results
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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 DRN6346869
23 Jun 2017 Barclays Bank Plc Not upheldBanking and creditMr D complains about Barclays Bank Plc (t/a Barclaycard). He says after he told it of his financial difficulties it promised to put a hold on charges on his account. He says he’s now been given more than £300 in extra charges. And he says his credit file has bee... (3 pages)View decision -
Decision Reference DRN5408621
8 May 2014 Santander UK Plc Not upheldBanking and creditMrs M complains that Santander UK Plc has not treated her fairly, in that it referred her debt to a third party and registered a default on her credit file. She says she has been making payments towards the debt, but that Santander unreasonably continued to apply charges to the account ... (2 pages)View decision -
Decision Reference DRN-5013071
25 Sep 2024 Barclays Bank UK PLC Not upheldMortgagesDRN-5013071 The complaint Mr M complains that Barclays Bank UK PLC has unfairly refused to accept his request for it to write off part of his outstanding mortgage balance. He also complains that the advice he received from Barclays to consolidate unsecured debts and add these to his mor... (6 pages)View decision -
Decision Reference DRN9106941
24 Nov 2017 Volkswagen Financial Services (UK) Limited Not upheldBanking and creditMr E complains that Volkswagen Financial Services (UK) Limited (trading as SEAT Finance) handled his financial difficulty poorly when he lost his job. He says they didn’t discuss all options with him.backgroundMr E took out hire purchase agreements with SEAT Finance ... (2 pages)View decision -
Decision Reference DRN-3122921
21 Dec 2021 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-3122921 The complaint Ms H has complained about Cabot Credit Management Group Limited chasing her for a debt. What happened This complaint is about a credit card account which was opened in 2018, defaulted in 2019, and then was sold to Cabot later that year. Ms H asked Cabot for copies... (2 pages)View decision -
Decision Reference DRN7045688
7 Feb 2017 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr M’s complaint is about the way The Royal Bank of Scotland Plc (RBS) used the money it offered him as compensation for the sale of several payment protection insurance (PPI) policies. backgroundIn 2016 RBS upheld Mr M’s complaint that it mis-sold him PPI policies a... (2 pages)View decision -
Decision Reference DRN-3887798
25 Jan 2023 Crosslight Advice Not upheldConsumer CreditDRN-3887798 The complaint Mr M complains about the way Crosslight Advice handled an appointment for debt advice. What happened Last year, Mr M arranged an appointment with Crosslight for debt advice. Mr M’s told us the advisor didn’t introduce themselves at the start of the call. Mr M comp... (2 pages)View decision -
Decision Reference DRN4282013
20 Feb 2014 HSBC Bank plc UpheldPayment protection insurance (PPI)This complaint is about a payment protection insurance (PPI) policy sold with a credit card in November 2002. It also concerns a series of four PPI policies sold in connection with a succession of personal loans over the following years. The credit card and loans were provided by HSBC... (3 pages)View decision -
Decision Reference DRN7685528
16 Jun 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs S complain, via a claims management company, that an authorised representative of Legal & General Partnership Services Limited (L&G) advised them to consolidate unsecured debt onto a mortgage, which they say was not in their best interests.backgroundMr an... (3 pages)View decision
