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 74313 results
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Decision Reference DRN7610844
6 Oct 2015 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs F are unhappy that The Royal Bank of Scotland plc (RBS) used proceeds from the sale of their home to repay other unsecured debts with RBS. To resolve this complaint Mr and Mrs F want RBS to pay the balance of the sale proceeds to them.backgroundIt’s Mr a... (2 pages)View decision -
Decision Reference DRN5608339
15 Apr 2016 Barclays Bank Plc Not upheldBanking and creditMrs S complains that Barclays Bank PLC hasn’t correctly updated her credit file to reflect her loan payments.backgroundMrs S says she settled a loan but the bank is still showing a default on her credit file. She said she’d been trying to sort this for two years. It... (2 pages)View decision -
Decision Reference DRN-2247071
7 Jan 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2247071 The complaint Mr L has complained that Barclays Bank UK PLC trading as Barclaycard (Barclaycard) didn’t change his credit file as they promised. What happened Mr L had debts with various lenders. He came to agreements with most of them to write off his borrowing with them on me... (2 pages)View decision -
Decision Reference DRN5969740
29 Nov 2018 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mrs F’s complaint is that The Royal Bank of Scotland Plc (RBS) has used the compensation it said was due for undisclosed commission on a payment protection insurance (PPI) policy to reduce the debt it says Mrs F owes on a credit card.backgroundIn 2006 Mrs F entered into ... (2 pages)View decision -
Decision Reference DRN-3553128
5 Jul 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3553128 The complaint Miss D complains through her representative that AvantCredit of UK, LLC lent her money on a high cost loan she couldn’t afford to repay. What happened AvantCredit provided Miss D with a loan of £4,000 on 18 September 2015, repayable at the monthly rate of around £... (3 pages)View decision -
Decision Reference DRN0762673
29 Sep 2016 Harrington Brooks (Accountants) Limited UpheldBanking and creditMrs M has complained Harrington Brooks (Accountants) Limited, trading as Harrington Brooks Debt Management, didn’t manage her debt management plan properly. She also doesn’t believe she was given the right advice when it started in 2009.Mrs M is represented by a claims m... (4 pages)View decision -
Decision Reference DRN4279158
24 Sep 2019 UK Insurance Limited UpheldInsurance (excluding PPI)Miss D complains because U K Insurance Limited (‘UKI’) are asking her to pay an outstanding premium for her pet insurance policy.background Miss D held a pet insurance policy provided by UKI.Sadly, Miss D’s pet died and she contacted UKI to let them know. UKI said there was one more premiu... (2 pages)View decision -
Decision Reference DRN-3492548
28 Jun 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3492548 The complaint Mr J has complained that AvantCredit of UK, LLC was irresponsible in lending to him. What happened In June 2018 AvantCredit provided Mr J with a loan of £4,000. The loan was repayable over 36 months and the monthly repayments were £186.07. Mr J said the purpose of... (3 pages)View decision -
Decision Reference DRN9959419
16 Oct 2015 HSBC Bank plc UpheldBanking and creditMrs P complains that HSBC Bank plc treated her unfairly when she tried to pay off an overdraft debt.background In 2007 Mrs P held an account which had an overdraft. HSBC gave Mrs P notice that it was going to remove the overdraft facility, which it did in October 2007.... (2 pages)View decision -
Decision Reference DRN-4916804
1 Aug 2024 Chetwood Financial Limited UpheldConsumer CreditDRN-4916804 The complaint Miss T complains that Chetwood Financial Limited trading as LiveLend was irresponsible in its lending to her. What happened Miss T was provided with a £10,000 loan by LiveLend in December 2021. She said that the lending shouldn’t have been provided as she had m... (3 pages)View decision
