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 71523 results
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Decision Reference DRN8809176
21 Jun 2016 Capital One (Europe) plc Not upheldBanking and creditMiss M complains that Capital One (Europe) plc hasn’t done enough to help her with her financial difficulties.backgroundMiss M’s credit card account went over its limit but she didn’t realise this because she didn’t check her statements. She said she continued to make ... (2 pages)View decision -
Decision Reference DRN1125653
29 Mar 2021 Everyday Lending Limited Not upheldBanking and creditIn summary, Mr D has complained that Everyday Lending Limited (ELL) provided him with a loan that he wasn’t able to afford. background In April 2018 ELL provided Mr D a loan for £3,000 repayable over two years. It was a high interest loan with an interest rate of 127.1% APR. The total char... (5 pages)View decision -
Decision Reference DRN2998881
13 Nov 2015 Shop Direct Finance Company Limited UpheldBanking and creditMr W complains that Shop Direct Finance Company Limited (the business) did not update his credit file after he paid off his debt. He says this has resulted in him being refused credit.backgroundMr W had an account with the business that feel into arrears. The acc... (2 pages)View decision -
Decision Reference DRN7834906
27 Jan 2015 Bank of Scotland Plc UpheldBanking and creditMr E complains that Bank of Scotland plc (trading as Capital Bank) (“Capital Bank”), passed on a debt to a third party for collection that he did not owe. This has affected his credit rating and he wants compensation.backgroundMr E has been pursued for 5 years for a debt he doesn’t ow... (2 pages)View decision -
Decision Reference DRN7523854
11 Jun 2014 Lloyds Bank PLC Not upheldBanking and creditJ complains that Lloyds Bank plc (previously Lloyds TSB Bank plc) did not administer its business accounts properly and misled it about the consequences of appointing an insolvency practitioner. J is in insolvency and the insolvency practitioner has given authority for Mr and Mrs F to co... (2 pages)View decision -
Decision Reference DRN-4276978
9 Nov 2023 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4276978 The complaint Mr M complains Creation Financial Services Limited haven’t defaulted his credit card with them after he fell into arrears. What happened Mr M’s let us know that from August 2018 his account was managed by a debt charity as he’d fallen into arrears on the account. ... (2 pages)View decision -
Decision Reference DRN-4606069
20 Mar 2024 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4606069 The complaint Miss S complains that Barclays Bank UK PLC, trading as Barclaycard, has recorded late payments on her credit file despite her keeping to a Debt Arrangement Scheme. What happened In 2018 Miss S entered a Debt Payment Programme (DPP) under the Debt Arrangement Schem... (2 pages)View decision -
Decision Reference DRN2432748
8 Aug 2018 Casheuronet UK LLC Not upheldBanking and creditMs W complains that CashEuroNet UK LLC, trading as Pounds to Pocket, was irresponsible to offer her a loan. She asks that the cost of the loan is paid back to her. backgroundMs W took out one loan with Pounds to Pocket in June 2012. The loan was repayable in ins... (2 pages)View decision -
Decision Reference DRN9931355
17 Dec 2013 Vanquis Bank Limited Not upheldBanking and creditMr C complains that Vanquis Bank Limited has unfairly refused to refund interest and charges applied to his credit card account between December 2009 and March 2010. He contacted Vanquis in September 2012, but the bank did not refund any money.backgroundMr C came into serious financial ... (1 page)View decision -
Decision Reference DRN2836648
28 Jul 2017 B2B Loans & Mortgages Limited Not upheldBanking and creditMr and Mrs L complain that B2B Loans & Mortgages Limited (“Y3S”) didn’t follow their instructions and repaid the wrong debt using money borrowed for loan consolidation. They also are unhappy about how long the application took, the number of surveyor reports, tha... (2 pages)View decision
