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 70772 results
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Decision Reference DRN-3669632
26 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3669632 The complaint Mrs H complains that NewDay Ltd provided her with two credit cards and increased the limit on both without adequately checking that she could afford any repayments. What happened Mrs H applied for and was provided with two credit cards by NewDay. The cards and dat... (5 pages)View decision -
Decision Reference DRN-3028239
28 Sep 2021 Santander UK Plc UpheldBanking and PaymentsDRN-3028239 The complaint Mrs B complains Santander UK Plc failed to investigate a fraud involving a loan and associated account being taken out in her name, and it unfairly held her liable. She wants to not be pursued for the loan debt and compensation for the financial loss and distress ... (4 pages)View decision -
Decision Reference DRN-4601483
14 Mar 2024 Lendable Ltd Not upheldConsumer CreditDRN-4601483 The complaint Mr K complains that Lendable Ltd lent irresponsibly when it approved a loan application he made. What happened Mr K applied for a loan of £10,000 plus fees of £590 in April 2021. In his application, Mr K said he was employed full time with an income of £2,796 a m... (3 pages)View decision -
Decision Reference DRN9561644
13 Apr 2016 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs J complain they were mis-sold a mortgage by a representative of Legal & General Partnership Services Limited (L&G). And they’re unhappy about the early repayment charge (ERC) they paid when they remortgaged.backgroundWhen Mr and Mrs J agreed to go ... (3 pages)View decision -
Decision Reference DRN4087207
23 Mar 2015 MKDP LLP Not upheldBanking and creditMrs C has complained that MKDP LLP sent her confusing information about the legal ownership of a debt.I note that Mrs C has also made a complaint against the original creditor, which does not form part of the complaint I am addressing here, which is specifically rel... (2 pages)View decision -
Decision Reference DRN3015204
19 Apr 2017 Robinson Way Limited Not upheldBanking and creditMs G complains that Robinson Way Limited had registered a County Court Judgement against her and when she paid this it was slow to have it removed. background Ms G along with her ex-husband encountered financial difficulties in 2008 and failed to make repayments on ... (2 pages)View decision -
Decision Reference DRN5963805
29 Sep 2016 Mercedes-Benz Financial Services UK Limited Not upheldBanking and creditMr R complains that Mercedes-Benz Financial Services UK Limited (“MBFS”) delayed updating his credit file when his debt was repaid.background Mr R had bought a car under a credit agreement with MBFS. He sold the car to a third party, on the basis that the buyer would ... (2 pages)View decision -
Decision Reference DRN3379142
17 Oct 2014 MKDP LLP Not upheldBanking and creditMiss A complains about a debt that MKDP LLP purchased and is seeking to recover. She believes the debt is statute barred, so MKDP should no longer be seeking payment from her; the date the account was defaulted is incorrect; and, she is unhappy about the way it dealt with her complain... (2 pages)View decision -
Decision Reference DRN6516469
9 Mar 2016 Lloyds Bank PLC UpheldBanking and creditMr L, represented by his mother, Ms K complains that Lloyds Bank plc mis-sold him two loans in 1998.backgroundMr L took out two loans with Lloyds in September and October 1998. Mr L couldn’t keep up with his monthly repayments. The bank defaulted the loans at the ... (2 pages)View decision -
Decision Reference DRN2235105
6 Feb 2017 HSBC Bank plc Not upheldBanking and creditMrs C complains that she still has an outstanding debt with HSBC Bank plc. She believes she has overpaid the debt. She wants the debt written off.backgroundMrs C says she made regular payments to pay off the outstanding debt on her credit card. She made these paymen... (2 pages)View decision
