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 DRN2152823
2 Nov 2015 Kapama Limited UpheldBanking and creditMrs C is unhappy that Kapama Limited is seeking to recover interest and charges outstanding on a loan that a payday loan provider irresponsibly granted her.backgroundMrs C took out a number of loans with a payday loan provider. It went into liquidation. The outstandin... (2 pages)View decision -
Decision Reference DRN7994206
10 Jan 2018 Hoist Finance UK Limited Not upheldBanking and creditMrs M complains that Hoist Finance UK Limited has recorded incorrect information on her credit file.backgroundMrs M complains that there are two markers for the same debt recorded on her credit file. One of the markers was applied by Hoist. The other marker was appl... (2 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 DRN5125124
23 Jun 2016 Black Horse Limited Not upheldBanking and creditMr L’s unhappy Black Horse Limited (“Black Horse”) sold his debt without getting his consent. He’s also said he wasn’t given the chance to repay the debt before the sale.backgroundIn May 2010 Mr L took a loan from Black Horse. By September 2014 he’d missed some pa... (2 pages)View decision -
Decision Reference DRN9558796
1 May 2015 Yorkshire Building Society Not upheldBanking and creditMr G complains that Yorkshire Building Society (trading as Norwich & Peterborough Building Society) mis-sold him a loan consolidating his debt which was secured on his home.backgroundMr G took out a mortgage with Yorkshire Building Society in 2004. In January 2008 he ... (2 pages)View decision -
Decision Reference DRN1622062
9 Mar 2020 Legal & General Partnership Services Limited Not upheldBanking and creditMr H and Ms D complain they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited.backgroundMr H and Ms D took advice from L&G when the fixed rate on their previous mortgage was coming to an end.As a result of the advice they re-mor... (2 pages)View decision -
Decision Reference DRN1366356
21 Jan 2016 Assured Money Solutions Limited UpheldBanking and creditMr and Mrs C complain that Assured Money Solutions Limited (“AMS”) told them they would be debt free in five years under its debt management plan, but this hasn’t happened. backgroundMr and Mrs C took out the debt management plan in 2011. They have paid regularly i... (3 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 DRN3194946
5 Aug 2019 National Westminster Bank Plc Not upheldInvestment and pensionsThe liquidator of N complains that National Westminster Bank Plc hasn’t paid enough compensation in respect of an interest rate hedging product (IRHP) it sold to N in 2003.The liquidator has also made a complaint on behalf of a second limited company, which I’ll call ‘K’. A Mr C, who in 20... (8 pages)View decision -
Decision Reference DRN8011239
15 Feb 2019 MBNA Limited Not upheldBanking and creditMr M complains he received threatening communications from MBNA Limited inferring he’s incurring charges and fees on his credit card and he’s concerned credit reference agencies may be told he’s in persistent debt. He wants compensation for the stress and worry he’... (2 pages)View decision
