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 70137 results
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Decision Reference DRN8929660
30 May 2017 Cabot Financial (Europe) Limited Not upheldBanking and creditMiss F complains about the way that Cabot Financial (Europe) Limited has dealt with her debt.backgroundMiss F had a debt to a third party which was assigned to Cabot in June 2015. It obtained a judgment in default against Miss F. She complained to Cabot in November ... (2 pages)View decision -
Decision Reference DRN-2641471
2 Mar 2021 Progressive Money Limited UpheldConsumer CreditDRN-2641471 The complaint Mr H complains that Progressive Money Limited (PML) acted irresponsibly when approving a loan for him. What happened Mr H says he was approved a loan by PML in December 2015 although at that time he was already in financial difficulties and had various debts elsew... (4 pages)View decision -
Decision Reference DRN-5052332
15 Nov 2024 Lloyds Bank PLC UpheldBanking and PaymentsDRN-5052332 The complaint Miss M says Lloyds Bank PLC irresponsibly lent to her. Her complaint has been brought through a representative but for ease I will refer solely to Miss M in this decision. What happened Miss M applied for £3,000 of overdraft facility across two current accounts... (3 pages)View decision -
Decision Reference DRN-3205925
9 Dec 2021 National Westminster Bank Plc UpheldBanking and PaymentsDRN-3205925 The complaint Mr and Mrs A have complained that changes National Westminster Bank Plc (NatWest) made to its charging structure for overdrafts were unfair. They also feel that NatWest didn’t help them with their financial difficulties and that the continued application of charge... (4 pages)View decision -
Decision Reference DRN7655551
22 Nov 2013 Lloyds Bank PLC Not upheldBanking and creditThis complaint is brought by two partners in a family business, and concerns the way Lloyds Bank Plc (previously Lloyds TSB Bank Plc) dealt with the partnership accounts and security. In particular, the partners say that Lloyds:-withdrew overdraft facilities from their business and ... (3 pages)View decision -
Decision Reference DRN9978992
23 May 2014 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs C complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (Legal & General). backgroundMr and Mrs C approached an appointed representative Legal & General in 2008 with a view to consolidating thei... (2 pages)View decision -
Decision Reference DRN6691039
20 Mar 2015 C L Finance Limited Not upheldBanking and creditMiss T complains that C L Finance Limited has not been clear about the balance she owes.backgroundMiss T had a debt with a bank that was sold to CL Finance Limited. Miss T then settled a PPI complaint she had made against that bank and agreed that the settlement ... (1 page)View decision -
Decision Reference DRN-4372493
29 Jan 2024 Everyday Lending Limited UpheldConsumer CreditDRN-4372493 The complaint Mr S complains that Everyday Lending Limited trading as Everyday Loans (“EDL”) irresponsibly agreed a loan for him. Mr S has brought his complaint to us via a representative but I will refer to him throughout for simplicity. What happened EDL agreed a loan of £10,... (4 pages)View decision -
Decision Reference DRN8226588
6 Oct 2016 123 Debt Solutions Ltd UpheldBanking and creditMr H complains, in summary, that 123 Debt Solutions Limited (“DSL”) didn’t advise him appropriately on all the debt management solutions available to him, and he feels that a debt management plan (“DPM”) wasn’t the best option for him. The complaint is brought to thi... (3 pages)View decision -
Decision Reference DRN-4779199
20 May 2024 Tandem Personal Loans Ltd UpheldConsumer CreditDRN-4779199 The complaint Mrs F complains about the way that Tandem Personal Loans Ltd treated her. What happened In October 2022, Mrs F contacted Tandem about her loan to say she was struggling to keep up with her repayments. Tandem agreed to a reduced repayment plan but Mrs F was unhappy... (2 pages)View decision
