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 71335 results
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Decision Reference DRN6765104
17 Aug 2015 Digital Finance Services UK Limited UpheldBanking and creditMs F is concerned that Digital Finance Services Limited (DFS) is seeking to recover a debt from her, but it’s unable to explain the outstanding balance to her. She is also concerned that the initial loan of £200 has grown to an outstanding balance of over £2,000. Sh... (2 pages)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 DRN5435035
12 Nov 2014 Barclays Bank Plc Not upheldBanking and creditMr R complains Barclays Bank PLC has refused to remove his information following a request under Section 10 of the Data Protection Act. He also complains his details have been passed on to a third party debt collector but he had settled the debt.backgroundMr R had read that Barclays ha... (2 pages)View decision -
Decision Reference DRN6054252
30 Dec 2019 Bank of Scotland Plc Not upheldBanking and creditMiss H complains that Bank of Scotland plc trading as Halifax forced her into debt following a loan she says she was pressurised into taking out in 2011.backgroundMiss H says in 2011 Halifax reviewed her finances. She says at the time she had about £24,000 in savings and a credit card debt... (2 pages)View decision -
Decision Reference DRN-2385029
26 Jan 2021 Oakbrook Finance Limited Not upheldConsumer CreditDRN-2385029 The complaint Mr R complains that Oakbrook Finance Limited trading as Likely Loans (Likely Loans) registered a default on his credit file. What happened Mr R had a loan with Likely Loans. He was having difficulty in making the repayments. He set up a temporary payment plan with... (3 pages)View decision -
Decision Reference DRN7392909
29 Sep 2016 Blue Finance Management Limited UpheldBanking and creditMiss C complains that Blue Finance Management Limited, trading as Debt Plan Direct, hasn’t paid her the agreed settlement amount of £621. She is being helped with her complaint by a representative.backgroundDebt Plan Direct made a settlement offer to Miss C of £621 in Mar... (1 page)View decision -
Decision Reference DRN0055358
2 Aug 2016 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs G complain that The Royal Bank of Scotland Plc (“RBS”) has treated them unfairly and unreasonably by instructing solicitors to take legal action against them for the full outstanding debt following their failure to pay a bridging loan secured over their pr... (2 pages)View decision -
Decision Reference DRN0933438
29 Oct 2013 National Westminster Bank Plc Not upheldBanking and creditMr L complains that National Westminster Bank Plc acted irresponsibly when it granted him successive loans and that it has acted unfairly.backgroundMr L took out six loans with National Westminster in a three year period – the last three of which were taken out in quick succession in a f... (2 pages)View decision -
Decision Reference DRN5963458
6 Oct 2017 Barclays Bank Plc Not upheldBanking and creditMr T complains about the way Barclays Bank Plc (trading as Barclaycard) treated him when he was in financial difficulties. He says this affected his credit file.backgroundIn January 2014 Barclays wrote to Mr T to say that he hadn’t made his monthly payment. Mr T resp... (2 pages)View decision
