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 71155 results
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Decision Reference DRN9858418
28 Jun 2017 Prestige Finance Limited UpheldBanking and creditMr S complains that Prestige Finance Limited have caused incorrect entries to be registered on his credit file and have refused to remove them. He wants us to order Prestige Finance Limited to remove them.backgroundMr S tells us that in 2011 he was declared bankrupt. ... (3 pages)View decision -
Decision Reference DRN7082709
19 Jul 2013 Debt Free Direct Limited Not upheldBanking and creditMrs and Mr H complain that Debt Free Direct Limited referred them to a fee-charging mortgage broker. They say they should have been told to go straight to a retail lender, to avoid a broker fee. our initial conclusionsOur adjudicator did not uphold the complaint. He did not think ... (2 pages)View decision -
Decision Reference DRN-4460468
6 Mar 2024 Progressive Money Limited UpheldConsumer CreditDRN-4460468 The complaint Mrs J is complaining that Progressive Money Limited (PML) lent to her irresponsibly by providing her with a personal loan. What happened In April 2018, Mrs J applied for a loan with PML to consolidate her debts. They lent her £5,000 over a three-month term. The lo... (4 pages)View decision -
Decision Reference DRN2314955
15 Jul 2015 MBNA Limited Not upheldBanking and creditMr B complains that MBNA Limited (“MBNA”) is holding him responsible for the balance due on a credit card he didn’t apply for.backgroundIn August 2005 MBNA approved a card application in Mr B’s name. It transpired that Mr B himself hadn’t made the application, but hi... (2 pages)View decision -
Decision Reference DRN5529784
7 Oct 2015 Barclays Bank Plc Not upheldBanking and creditMs M complains that Barclays Bank Plc mis-sold a mortgage reserve account (an MRA) to her. Since then, it treated her unfairly and has not administered the account properly. The stress has affected her health. Ms M asks that Barclays write off the remaining balance.... (5 pages)View decision -
Decision Reference DRN7967645
30 Jan 2014 1st Credit (Finance) Limited Not upheldBanking and creditMs R complains that 1st Credit (Finance) Limited has been harassing her to repay a debt, causing her great distress. She also disagrees with the amount 1st Credit says she owes.background1st Credit says it bought Ms R’s debt from a third party in July 2005. Since then, 1st Credit has ... (2 pages)View decision -
Decision Reference DRN1964220
29 Jul 2014 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs B complain that the appointed representative of Legal & General Partnership Services Limited mis-sold them a mortgage that was not suitable for their needs.backgroundMr and Mrs B met with an appointed representative of Legal and General in 2006. At that stage they had... (1 page)View decision -
Decision Reference DRN-1910345
10 Jul 2020 Gain Credit LLC UpheldConsumer CreditDRN-1910345 The complaintMr W says Gain Credit LLC trading as Drafty lent to him irresponsibly. He says his financial situation was poor at the time of sale and a reasonable credit check would’ve shown this. He says if Drafty had made better checks then it wouldn’t have lent to him. What ... (3 pages)View decision -
Decision Reference DRN7539426
30 Aug 2019 Shop Direct Finance Company Limited Not upheldBanking and creditMr A is unhappy Shop Direct Finance Company Limited (Shop Direct) registered a default against him in relation to a catalogue account. Mr A says he doesn’t believe there is any evidence to show that Shop Direct properly notified him of their intention to record the default. And he also say... (7 pages)View decision -
Decision Reference DRN3739649
4 Jul 2019 HSBC UK Bank Plc Not upheldBanking and creditMr W has complained about HSBC UK Bank Plc. Mr W says: HSBC failed to complete a current account switch correctly and instead just opened a current account with an overdraft facility. HSBC didn’t allow him to pay off the outstanding amount on his current account using his credit card. H... (4 pages)View decision
