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 71923 results
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Decision Reference DRN6207821
12 Nov 2019 Connells Limited UpheldBanking and creditMr B complains that Connells Limited mis-sold him a mortgage.backgroundMr B had a mortgage already, and in 2006 he went to Connells for advice on a re-mortgage. Connells recommended he take out a Together mortgage provided by Northern Rock – which includes both a secured mortgage and an un... (3 pages)View decision -
Decision Reference DRN-5222395
19 Dec 2024 MBNA Limited UpheldConsumer CreditDRN-5222395 The complaint Mrs S says MBNA Limited irresponsibly lent to her. What happened Mrs S took out a loan for £8,000 over 60 months from MBNA on 23 November 2023. The monthly repayments were £201.81 and the total repayable was £12,108.60. Mrs S says she was already seriously inde... (3 pages)View decision -
Decision Reference DRN1064704
9 Feb 2015 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Mrs Q’s complaint against Lloyds Bank PLC concerns her credit card and an associated payment protection insurance (PPI) policy. Specifically, she is unhappy that a PPI claim was declined and that default charges were applied whilst that claim was being considered. Mrs Q is also unhapp... (3 pages)View decision -
Decision Reference DRN0039157
17 Dec 2013 Fastmoney.co.uk Limited Not upheldBanking and creditMr K complains that Fastmoney.co.uk Limited mis-sold him a mortgage. The complaint is brought on his behalf by a claims management company.backgroundMr K responded to a newspaper advert and asked Fastmoney to arrange him a remortgage. He wanted to repay his secured and unsecured lendin... (2 pages)View decision -
Decision Reference DRN8634803
19 Aug 2016 Barclays Bank Plc Not upheldBanking and creditMr M complains that Barclays Bank Plc applied late payment charges incorrectly and issued an invalid default notice. He is also unhappy with the information recorded on his credit file.backgroundMr M took out a Barclaycard in 1999 and maintained payments for many year... (2 pages)View decision -
Decision Reference DRN2694453
25 Sep 2013 HSBC Bank plc UpheldPayment protection insurance (PPI)This complaint concerns five payment protection insurance (PPI) policies taken out by Mr V. Mr V says HSBC Bank Plc (‘HSBC’) mis-sold the policies. backgroundMr V took out two credit cards with PPI, two personal loans with PPI and a mortgage payment protection insurance (MPPI) policy wit... (3 pages)View decision -
Decision Reference DRN0112128
2 May 2019 Barclays Bank UK PLC Not upheldBanking and creditMr M complains that Barclays Bank UK PLC, trading as Barclaycard (“Barclays”) won’t allow him to settle his credit card debt. He also complains that Barclays failed to respond to a subject access request. backgroundMr M had a Barclaycard credit card account with an o... (3 pages)View decision -
Decision Reference DRN-3069896
24 Sep 2021 Capital One (Europe) plc UpheldBanking and PaymentsDRN-3069896 The complaint Mr P complains that Capital One (Europe) plc has unfairly increased his minimum monthly payment as a result of being in persistent debt on one of his credit cards. What happened Mr P has two credit card accounts with Capital One. On card ending 5318, Mr P has bee... (5 pages)View decision -
Decision Reference DRN-3450189
26 Apr 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3450189 The complaint Mr M has complained that Everyday Lending Limited trading as Everyday Loans (“EDL”) was irresponsible to have agreed credit for him. Mr M has brought his complaint to us via a representative. For simplicity, I will refer to him throughout. What happened EDL provid... (3 pages)View decision -
Decision Reference DRN6557852
27 Oct 2015 Lloyds Bank PLC Not upheldBanking and creditMr and Mrs G say that Lloyds Bank PLC has not helped them with their financial situation. This has led to a large debt now being owed.background Some of the issues being complained of are some ten years old. Mr and Mrs G’s complaint is that had Lloyds acted differen... (3 pages)View decision
