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-3699575
23 Sep 2022 Mortgage Express Not upheldMortgagesDRN-3699575 The complaint Mr H complains that Mortgage Express is unfairly pursuing him for repayment of a mortgage shortfall resulting from its sale of his property in 2009. What happened In 2007, Mr H took a buy to let remortgage with Mortgage Express for approximately £93,500 plus fees.... (4 pages)View decision -
Decision Reference DRN2344027
9 Jun 2017 Hoist Finance UK Limited UpheldBanking and creditMr L complains that Hoist Finance UK Limited have chased him for a debt which is not his. backgroundMr L received a letter from a debt collector acting on behalf of Hoist regarding an outstanding debt. Mr L contacted Hoist in December 2015 and explained that he neve... (2 pages)View decision -
Decision Reference DRN3286366
17 Apr 2018 Avantcredit Of Uk, Llc Not upheldBanking and creditMiss P complains that AvantCredit of UK, LLC was irresponsible in lending her money.backgroundIn March 2016 Miss P took out a loan with Avant of some £3,000 over three years with monthly payments of £164.16. She had a monthly income of £1,640 and outgoings of £8... (2 pages)View decision -
Decision Reference DRN3002680
6 Jan 2017 The Co-operative Bank Plc Not upheldBanking and creditMiss G complains that The Co-operative Bank Plc treated her unfairly when it passed account to a debt collection company.backgroundMiss G had an outstanding overdraft balance with The Co-op. Due to her personal circumstances, The Co-op agreed to suspend payments for si... (2 pages)View decision -
Decision Reference DRN8478262
31 May 2018 Barclays Bank Plc UpheldBanking and creditMiss A complains about a loan she had with Barclays Bank Plc. She’s been unwell and just wants to sort out the outstanding balance.background Miss A took out a loan with Barclays in 2005. She became ill a few years later and fell into arrears. The debt was transferre... (2 pages)View decision -
Decision Reference DRN-4446384
19 Dec 2023 Santander UK Plc Not upheldConsumer CreditDRN-4446384 The complaint Mrs F says Santander UK Plc irresponsibly lent to her. What happened Mrs F took out a 48-month loan for £9,400 on 5 February 2019. The monthly repayments were £269.20 and the total repayable was £12,921.60. Mrs F says she was in a debt management plan at the time ... (2 pages)View decision -
Decision Reference DRN2330825
9 Mar 2017 Lowell Portfolio I Ltd UpheldBanking and creditMr W complains that Lowell Portfolio I Ltd declines to remove a default registered by it on his credit file. He thinks it is acting unfairly as he says the debt does not belong to him. background Mr W said Lowell instructed its agents to chase him for a debt th... (2 pages)View decision -
Decision Reference DRN3420236
23 Apr 2013 HSBC Bank plc Not upheldBanking and creditMr G complains about the way HSBC Bank Plc has treated him in relation to the debt on his business account, following his being unable to work due to serious illness. In particular, Mr G says that HSBC failed to keep to repayment agreements made with him by the branch staff.background M... (2 pages)View decision -
Decision Reference DRN-5334395
10 Mar 2025 Barclays Bank UK PLC UpheldConsumer CreditDRN-5334395 The complaint Mr W complains that Barclays Bank UK PLC defaulted his account and passed it to a debt collection agency. What happened Mr W holds a loan account with Barclays. The loan fell into arrears in December 2022. Barclays issued a Default Notice on 3 April 2023 which ... (2 pages)View decision -
Decision Reference DRN9142878
27 Mar 2015 Barclays Bank Plc Not upheldBanking and creditMr F and Mr and Mrs G, on behalf of the estate of the late Mrs F, complain that Barclays Bank PLC (trading as Barclaycard) failed to deal appropriately with Mrs F’s accounts when she was experiencing financial difficulty. They’d like Barclays to pay Mrs F’s estate ... (2 pages)View decision
