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 69943 results
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Decision Reference DRN-3168146
28 Feb 2022 Lloyds Bank PLC Not upheldConsumer CreditDRN-3168146 The complaint Ms H is unhappy that Lloyds Bank PLC didn’t amend her credit file as they’d agreed to. What happened Ms H previously brought a complaint to this service about a Lloyds personal loan which resulted in Lloyds agreeing to amend the date of a default for that loan acc... (2 pages)View decision -
Decision Reference DRN-3004440
16 Nov 2021 Santander UK Plc Not upheldBanking and PaymentsDRN-3004440 The complaint Mr L has complained that a refund of interest has been applied to the unsettled portion of his credit card debt rather than being paid to him directly. What happened Mr L took out a credit card with Santander UK Plc in January 2011 and fell into arrears in April 2... (2 pages)View decision -
Decision Reference DRN7820915
16 Apr 2020 Arrow Global Limited Not upheldBanking and creditMr B complains that Arrow Global Limited wrongly obtained a County Court Judgement (“CCJ”) against him for a debt by using an old address for service which didn’t comply with the Civil Procedure Rules for service (“CPR 6.9”) backgroundIn 2004 Mr B took out a credit card with a bank but unf... (4 pages)View decision -
Decision Reference DRN-3204997
8 Dec 2021 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3204997 The complaint Mr D has complained about The Royal Bank of Scotland Plc (RBS) adding interest and charges onto an overdraft debt, defaulting it, and passing it to debt collectors. What happened This complaint is about an overdraft on a current account. In 2017, Mr D suffered fro... (4 pages)View decision -
Decision Reference DRN4950883
7 Aug 2014 Bank of Scotland Plc Not upheldBanking and creditThis complaint is about a mortgage Mr F formerly held with Bank of Scotland plc trading as Halifax. Mr F, who is represented by his sister Mrs G, complains that Halifax lent him money he could not afford to repay, and took possession proceedings against him rather than take money from hi... (2 pages)View decision -
Decision Reference DRN-3334415
12 Apr 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3334415 The complaint Mr S complained that Everyday Lending Limited trading as Everyday Loans lent to him irresponsibly and provided a loan that was unaffordable. What happened Mr S took out a loan with Everyday Loans as follows: Date taken Loan amount Term Monthly repayment Loan statu... (4 pages)View decision -
Decision Reference DRN-4909515
7 Aug 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4909515 The complaint Ms J complains that Vanquis Bank Limited (Vanquis) lent to her irresponsibly. What happened In July 2016, Ms J applied for a credit card from Vanquis. It was agreed and the firm then increased Ms J’s credit limit as shown: Date Limit July 2016 £500 (new account... (5 pages)View decision -
Decision Reference DRN2863676
2 Aug 2016 Cheque Centres Limited Not upheldBanking and creditMr C complains that Cheque Centres Limited gave him unaffordable payday loans. He wants a refund of his interest and charges made and entries on his credit file to be removed.backgroundMr C said Cheque Centres Limited gave him payday loans in 2011 when he was in fin... (2 pages)View decision -
Decision Reference DRN6883547
18 Dec 2015 Santander UK Plc Not upheldPayment protection insurance (PPI)Mr S’ complaint is about the mis-sale of a payment protection insurance (PPI) policy and the way Santander UK Plc has used the compensation it offered to put this right.backgroundMr S originally complained to Santander that the PPI policy attached to his Cahoot c... (2 pages)View decision -
Decision Reference DRN2648600
30 Sep 2014 Barrington Lewis Limited UpheldBanking and creditMr D complains that Barrington Lewis Limited failed to administer his debt management plan correctly. In summary, he says that it failed to pass agreed payments to his creditors, acted unprofessionally, and was not transparent about its fees. backgroundOur adjudicator recommended this com... (2 pages)View decision
