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 DRN6077450
27 Feb 2018 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr B is unhappy with how Capital One (Europe) plc (‘Capital One’) has offered to resolve his complaint about a payment protection insurance (‘PPI’) attached to a credit card. backgroundMr B took out a credit card in 1998. At the same time he was sold a PPI policy. Mr... (3 pages)View decision -
Decision Reference DRN0281669
23 Jul 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr L complains that Lloyds TSB Bank Plc (Lloyds) did not give him the full agreed overdraft at the opening of his account, and payments were missed as a result. He says this had a serious effect on his financial circumstances. Mr L would like the bank to amend his credit file and comp... (3 pages)View decision -
Decision Reference DRN8415002
6 Jul 2015 Lloyds Bank PLC Not upheldBanking and creditMrs S complains that Lloyds Bank PLC didn’t advise her properly about her re-mortgage and this cost her money. Mrs S says that Lloyds didn’t tell her about alternative ways to manage her unsecured debts. And that the re-mortgage was unsuitable and unaffordable and that ... (2 pages)View decision -
Decision Reference DRN8912754
31 Oct 2017 DFH Limited Not upheldBanking and creditMr F complains about a debt management plan he had with DFH Limited. He says DFH didn’t tell him he could get debt management services for free elsewhere. He’d like a refund of the fees he has paid DFH.backgroundMr F started his debt management plan with DFH in ... (2 pages)View decision -
Decision Reference DRN5307677
25 Jun 2013 National Westminster Bank Plc Not upheldBanking and creditMiss B complains that National Westminster Bank Plc failed to respond positively and sympathetically to the financial difficulties she is facing and it has refused to refund charges.backgroundMiss B says that she lost her job and her relationship broke down in 2007 and she had to accep... (2 pages)View decision -
Decision Reference DRN9928394
20 Jul 2018 Vanquis Bank Limited UpheldBanking and creditMiss R complains about Vanquis Bank Limited (“Vanquis”) concerning its decisions to allow her to open a credit card account and then to increase her credit limit on two occasions. Miss R believes that the lending was irresponsible. She also complains that Vanquis encour... (4 pages)View decision -
Decision Reference DRN8450072
17 Jul 2019 Shop Direct Finance Company Limited Not upheldBanking and creditMr F complains about the way Shop Direct Finance Company Limited (‘Shop Direct’) managed two catalogue shopping accounts he had with it. backgroundMr F had two separately branded catalogue shopping accounts with Shop Direct.In February 2017 the direct debits Mr F had set up to make repayme... (3 pages)View decision -
Decision Reference DRN4259963
27 Oct 2016 Arrow Global Limited UpheldBanking and creditMr S complains that Arrow Global Limited (Arrow) has been wrongly chasing him for a debt he doesn’t owe. He wants compensation for the distress and inconvenience he says this caused him.backgroundI issued my provisional decision in September 2016, a copy of which is at... (3 pages)View decision -
Decision Reference DRN-2831555
9 Aug 2021 Oakbrook Finance Limited Not upheldConsumer CreditDRN-2831555 The complaint Miss B complains that Oakbrook Finance Limited trading as Likely Loans (Likely Loans) provided lending to her which was unaffordable and irresponsible. She says that she had significant debt at the time of the lending. What happened In January 2017 Miss B applied ... (3 pages)View decision -
Decision Reference DRN4589294
8 Oct 2018 Debt and Credit Ltd UpheldBanking and creditMr S complains that Debt and Credit Ltd (Debt and Credit) have overcharged him for managing his Debt Management Plan (DMP). He also complains that Debt and Credit shouldn’t have transferred his plan to another company without his consent.backgroundMr S entered into ... (4 pages)View decision
