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 DRN1528330
29 Jul 2013 Bank of Ireland (UK) Plc Not upheldBanking and creditMr N complains that Bank of Ireland (UK) Plc (BOI) is requesting monthly debt repayments that he cannot afford and is threatening to default his account. He also complains that the bank wrongly applied fees to his account.backgroundMr N’s current account has been overdrawn since late 2... (2 pages)View decision -
Decision Reference DRN-2916616
15 Jul 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2916616 The complaint Mrs S complains that Barclays Bank Plc trading as Barclaycard (Barclaycard) lent to her irresponsibly. Mrs S is represented by Mr S, her husband. What happened Mrs S had a credit card from Barclaycard from 2012. Between 2013 and 2018, her credit limit was increase... (4 pages)View decision -
Decision Reference DRN-5404496
18 Mar 2025 Vanquis Bank Limited Not upheldConsumer CreditDRN-5404496 The complaint Mr S complains that Vanquis Bank Limited was irresponsible in its lending to him. What happened Mr S was provided with a £5,000 loan by Vanquis in November 2022. The loan term was 36 months and Mr S was required to make monthly repayments of around £204. Mr S s... (3 pages)View decision -
Decision Reference DRN6696977
19 Dec 2014 MKDP LLP Not upheldBanking and creditMr H complains that MKDP LLP is trying to recover a debt from an old loan agreement. He says he should not be responsible for the outstanding balance.backgroundMr H took out a loan with a creditor in 2010. The loan account was later transferred to MKDP, who attempted to recover £1,147.5... (1 page)View decision -
Decision Reference DRN-5807987
12 Jan 2026 Fairscore Ltd Not upheldConsumer CreditDRN-5807987 The complaint Mrs D complains that Fairscore Ltd trading as Updraft (‘Updraft’) was irresponsible in its lending to her. She wants the interest she has paid on the loans refunded. What happened Mrs D was provided with two loans by Updraft, the details of which are set out be... (4 pages)View decision -
Decision Reference DRN-3176404
23 Nov 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3176404 The complaint Mr and Mrs R are bringing this complaint on behalf of their late son, M, against NewDay Ltd (NewDay). They believe NewDay acted irresponsibly in giving M a credit card and subsequent credit increase. What happened Mr R said that NewDay agreed a credit for M in Apr... (4 pages)View decision -
Decision Reference DRN3676781
17 Oct 2014 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs F’s representative complains that they were mis-sold a mortgage by an authorised representative of Legal & General Partnership Services Limited (“L&G”).backgroundIn 2005 L&G arranged a remortgage for Mr and Mrs F. The new mortgage was for around £40,000 over nine... (3 pages)View decision -
Decision Reference DRN-6019198
4 Feb 2026 Lowell Financial Ltd Not upheldConsumer CreditDRN-6019198 The complaint Mr D complains Lowell Financial Ltd (Lowell) are asking him to repay a debt which was irresponsibly lent. He’s also unhappy they didn’t identify there was irresponsible lending when purchasing the account, and that they didn’t take into account his vulnerabilit... (3 pages)View decision -
Decision Reference DRN-3233584
15 Mar 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3233584 The complaint Mr B complains that Bank of Scotland Plc, trading as Halifax, is holding him liable to repay two credit card debts that he says he never applied for. Background Mr B has explained that, after splitting from his wife, he had a meeting with his bank who provide his ... (3 pages)View decision -
Decision Reference DRN8628429
31 Jul 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr D is unhappy that Lloyds TSB Bank Plc contacted a third party debt collector and disclosed information about him. He complains that Lloyds TSB provided this information after obtaining it incorrectly. background Mr D is unhappy that a debt collector contacted a third party and gave the... (1 page)View decision