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 DRN-3780710
9 Nov 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3780710 The complaint Mr B complains that Vanquis Bank Limited irresponsibly granted him credit he couldn’t afford to repay. What happened Vanquis opened a credit card account for Mr B in January 2013. This type of credit was an open-ended or running account facility and the credit lim... (3 pages)View decision -
Decision Reference DRN8051769
18 Feb 2020 Cabot Credit Management Group Limited Not upheldBanking and creditMr H is disputing the sum that that Cabot Credit Management Group Limited, trading as Cabot Financial (Europe) Limited, are asking him to repay. He has complained that Cabot hasn’t shown him proof of the amount owing.backgroundMr H had a loan which was opened in February 2014. The loan was... (3 pages)View decision -
Decision Reference DRN5556862
18 Sep 2014 National Westminster Bank Plc Not upheldBanking and creditMr R complains that an account manager of National Westminster Bank Plc told him that a debt he owed the bank under a personal guarantee would be written off – but it wasn’t. He also complains that his former company liquidated in 2011 but he did not hear from the bank until 2013. Whe... (3 pages)View decision -
Decision Reference DRN-4661452
20 Mar 2024 Lendable Ltd Not upheldConsumer CreditDRN-4661452 The complaint Mr D complains that Lendable Ltd is unfairly reporting missed payments to the credit reference agencies in respect of two loans he has with it. What happened Mr D entered into two loans with Lendable. He was making contractual repayments until December 2020 when h... (3 pages)View decision -
Decision Reference DRN6220427
8 Oct 2013 Lloyds Bank PLC Not upheldBanking and creditMr K complains that Lloyds TSB Bank Plc is wrongly holding him liable for the entire debt from a business loan. He says the bank has already been paid 75% of the debt under a government guarantee scheme.backgroundMr K was a sole trader and in 2008 he took out a business loan which was b... (2 pages)View decision -
Decision Reference DRN-3334415
12 Apr 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3334415 The complaint Mr S complained that Everyday Lending Limited trading as Everyday Loans lent to him irresponsibly and provided a loan that was unaffordable. What happened Mr S took out a loan with Everyday Loans as follows: Date taken Loan amount Term Monthly repayment Loan statu... (4 pages)View decision -
Decision Reference DRN9080070
7 Dec 2018 Creation Financial Services Limited Not upheldBanking and creditMr P complains that he’s been making token payments to a debt he has with Creation Financial Services Limited (“Creation Finance”) but as he’s been making them to the incorrect account since 2008, he says they’re now statute barred and the business should write off his... (2 pages)View decision -
Decision Reference DRN0615332
3 Jul 2015 MKDP LLP Not upheldBanking and creditMr D complains about a default on his credit file. He wants MKDP LLP to remove it and to agree to a repayment plan he offered.background Mr D had a bank account which was overdrawn by over £450. In 2011 his bank closed the account and sold the debt to a debt c... (2 pages)View decision -
Decision Reference DRN5585785
31 Oct 2013 Barclays Bank Plc Not upheldBanking and creditMr W had a Barclays Bank Plc (trading as Barclaycard) credit card. He complains that Barclaycard failed to notify him of an unpaid debt, sold the debt to a debt recovery agency, and recorded adverse information on the file in his name held by credit reference agencies.background Mr W mad... (2 pages)View decision -
Decision Reference DRN8503667
10 Sep 2013 Creation Financial Services Limited UpheldBanking and creditMiss G complains that Creation Financial Services Limited applied interest and charges to her account since 2009, even though she was trying to pay it off under a debt management plan. backgroundWhen Miss G first set up the plan, in October 2009, she owed about £430. By October 2012,... (2 pages)View decision
