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 74386 results
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Decision Reference DRN-3572034
4 Jul 2022 Zopa Limited Not upheldConsumer CreditDRN-3572034 The complaint Mr C complains about a finance agreement he took out with Zopa Limited (“Zopa”). What happened In July 2019 Mr C entered into a finance agreement with Zopa. Under the agreement Mr C borrowed £10,000 the agreement was to last for 36 months. Mr W’s monthly repayment... (5 pages)View decision -
Decision Reference DRN8372337
3 Jul 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr L complains that Express Finance (Bromley) Limited (trading as Payday Express) gave him loans he couldn’t afford to repay. He also complains about how it treated him when he had difficulty repaying his debts and entered into a debt management plan (DMP). Mr L a... (2 pages)View decision -
Decision Reference DRN-4577414
28 Feb 2024 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-4577414 The complaint Ms J complains that Clydesdale Bank Plc trading as Virgin Money was irresponsible when it offered her a credit card account. What happened Virgin Money opened a credit card account for Ms J in June 2022 with a credit limit of £4,100. I understand that the limit wa... (3 pages)View decision -
Decision Reference DRN5538059
28 Jul 2015 Lloyds Bank PLC Not upheldBanking and creditMr L complains that Lloyds Bank plc recorded a default on his credit file without warning him, and while he was disputing the debt outstanding.backgroundIn March 2012 Lloyds wrote to Mr L, explaining that it had decided to close his accounts. It gave him two months’... (2 pages)View decision -
Decision Reference DRN2732605
11 Apr 2017 NRAM plc Not upheldBanking and creditMr C complains that Landmark Mortgages Limited is pursuing him rather than his ex-partner for a shortfall debt from their joint mortgage.backgroundMr C held a mortgage with his now ex-partner. The property was sold. But the proceeds of the sale weren’t enough to rep... (2 pages)View decision -
Decision Reference DRN1300080
23 Apr 2015 Lowell Financial Ltd Not upheldBanking and creditMr L complains that Lowell Financial Ltd harassed him to repay a debt that he did not owe.backgroundLowell bought the debt from the original creditor and contacted Mr L, by letter, phone and text, to seek repayment. Mr L agreed to repay half of the amount outsta... (2 pages)View decision -
Decision Reference DRN7456037
3 Jun 2015 Lloyds Bank PLC Not upheldBanking and creditMr G complains that Lloyds Bank PLC wrongly applied a default to his current account and he wants it removed.backgroundOur adjudicator did not recommend that this complaint be upheld. Lloyds had refunded three payments with interest to Mr G’s account, and paid £100 com... (2 pages)View decision -
Decision Reference DRN9700816
2 Mar 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr D and Miss E complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L&G”).backgroundMr D and Miss E had an interest only mortgage, made up of several elements, some of which were on a fixed rate and some o... (3 pages)View decision -
Decision Reference DRN2955985
2 Feb 2015 Westhill Financial Services Limited Not upheldBanking and creditMr and Mrs T complain – through their representatives - that Westhill Financial Services Limited mis-sold their mortgage.backgroundIn December 2007 Mr and Mrs T (then aged 44 and 43 respectively) consulted Westhill about a remortgage on their property, which was then valued at £130,0... (2 pages)View decision -
Decision Reference DRN-3300214
31 Mar 2022 Wescot Credit Services Limited Not upheldConsumer CreditDRN-3300214 The complaint Mr B complains about the way that Wescot Credit Services Limited has managed a debt in his name. Mr B says that poor handling of the situation has impacted on his health. What happened Wescot has been managing the collection of a debt in Mr B’s name since 2013. Th... (2 pages)View decision
