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 77095 results
-
Decision Reference DRN8666712
11 Oct 2013 NEO Media Solutions Limited UpheldBanking and creditMiss K complains about the administration of a debt management plan by NEO Media Solutions Limited (“NEO”). She says payments were not distributed to her creditors in the way she expected.backgroundMiss K entered into the agreement with NEO in 2011. NEO says that the agreement was not ... (3 pages)View decision -
Decision Reference DRN9472665
28 May 2015 Lloyds Bank PLC Not upheldBanking and creditMrs P complains that Lloyds Bank plc can’t show her the original contracts she signed when opening her accounts.backgroundMrs P says that Lloyds should be able to show her the original contracts she signed when she opened her accounts. She says that if Lloyds can’t ... (2 pages)View decision -
Decision Reference DRN-3028657
6 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3028657 The complaint Ms M complains that NewDay Ltd (Newday) lent to her irresponsibly and shouldn’t have suspended her Aqua card in November 2020. What happened Ms M applied for an Aqua card in January 2014 and was given a limit of £250. Then, increases were agreed on the Aqua card, ... (4 pages)View decision -
Decision Reference DRN9414391
11 Jan 2016 The Royal Bank of Scotland Plc Not upheldBanking and creditMr D complains that The Royal Bank of Scotland Plc (“RBS”) has instructed a debt collection agency to pursue him for a debt which he says is time-barred under the Limitation Act.backgroundIn 2008 Mr D owed RBS a three-figure sum. In that year he entered an Individu... (1 page)View decision -
Decision Reference DRN2085809
13 Nov 2014 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs H, who are represented by a claims management company, complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited.backgroundMr and Mrs H had a mortgage, which – acting on a recommendation from L&G – they r... (2 pages)View decision -
Decision Reference DRN5969740
29 Nov 2018 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mrs F’s complaint is that The Royal Bank of Scotland Plc (RBS) has used the compensation it said was due for undisclosed commission on a payment protection insurance (PPI) policy to reduce the debt it says Mrs F owes on a credit card.backgroundIn 2006 Mrs F entered into ... (2 pages)View decision -
Decision Reference DRN5470301
20 May 2013 National Westminster Bank Plc Not upheldBanking and creditsummary of complaintMrs E complains that National Westminster Bank Plc put undue pressure on her to settle the debts of a family member after she told it the family member was terminally ill. She wants it to give her back her money.background I set out the background of this complaint ... (3 pages)View decision -
Decision Reference DRN9668991
15 Sep 2017 Novaloans Ltd UpheldBanking and creditMiss E says that Novaloans Ltd trading as (Cash4unow) did not help her when she contacted it about the payments on her loan. She says she was bullied into the making payments.backgroundMiss E took out a £350 loan over five months with Cash4unow in September 2016. The ... (3 pages)View decision -
Decision Reference DRN8922946
28 Nov 2014 Regal Credit Consultants Limited Not upheldBanking and creditMr W complains about a debt that Regal Credit Consultants Limited is trying to collect. He says he is disputing the debt and is unhappy that he is being asked to repay the debt. He is also unhappy about the way Regal Credit Consultants has tried to collect the debt and the contact it had w... (2 pages)View decision -
Decision Reference DRN-5957217
8 Dec 2025 Metro Bank PLC Not upheldConsumer CreditDRN-5957217 The complaint Mr B complains that Metro Bank plc, trading as RateSetter, didn’t conduct sufficient checks before lending to him and that he shouldn’t have been granted the loan. What happened Mr B applied to Metro Bank for a loan for debt consolidation in April 2023. His app... (3 pages)View decision