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 77095 results
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Decision Reference DRN4514384
12 Jan 2016 NRAM plc Not upheldBanking and creditMr and Mrs W complain that NRAM plc mis-sold a secured loan to them.backgroundMr and Mrs W took out a secured loan in 2007 to repay unsecured debts. Mr W says the loan was not affordable or suitable. NRAM knew they had financial difficulties. It did not tell them to se... (2 pages)View decision -
Decision Reference DRN6783808
13 Jul 2017 Lloyds Bank PLC Not upheldBanking and creditMrs F complains about the way in which she has been treated by Lloyds Bank PLC.backgroundMrs F says that, following financial difficulties, she agreed to repay Lloyds £1 a month for a loan and current account debts. She says there are no problems with the loan repaymen... (2 pages)View decision -
Decision Reference DRN8094228
23 Jul 2015 Foundation for Credit Counselling Not upheldBanking and creditMr P complains that Foundation for Credit Counselling, trading as StepChange Debt Charity, gave him wrong advice.our initial conclusionsWhen Mr P asked StepChange for advice, it advised him to make token payments of £1 to his unsecured creditors. But Mr P says this has led to his cre... (2 pages)View decision -
Decision Reference DRN4756381
13 Apr 2017 Sainsbury's Bank Plc Not upheldBanking and creditMr N complains that Sainsbury’s Bank plc is refusing to accept what he believes are fair offers to settle his debts. He’s also unhappy it won’t tell him what it’s willing to accept.backgroundMr N took out a loan for £10,000 in 2014 but a year later he faced fina... (2 pages)View decision -
Decision Reference DRN-4479047
27 Nov 2023 Lowell Financial Ltd Not upheldConsumer CreditDRN-4479047 The complaint Mr M complains about the way that Lowell Financial Ltd (Lowell) has managed the collection of a debt in his name. What happened Lowell Portfolio I Limited bought an outstanding debt in Mr M’s name and appointed Lowell to manage it on its behalf. Mr M complained th... (3 pages)View decision -
Decision Reference DRN-2974908
1 Sep 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2974908 The complaint Miss H complains that NewDay Ltd (NewDay) lent to her irresponsibly. What happened Miss H applied for an Aqua credit card from NewDay in April 2016. This was agreed with a limit of £250. The debt was passed to a debt collection agency in February 2019 and repaid i... (2 pages)View decision -
Decision Reference DRN0734676
6 Mar 2017 Clydesdale Bank Plc Not upheldBanking and creditMr F complains that Clydesdale Bank Plc (“Clydesdale”) caused a debt his business owed it to increase, and that he’s been unfairly affected by its actions.backgroundIn 2007 Mr F and his partners at the time took out a business overdraft of £197,200. This was to be us... (4 pages)View decision -
Decision Reference DRN5181939
8 Mar 2016 PDHL Limited Not upheldBanking and creditMiss O complains that PDHL Limited has provided her with inappropriate advice relating to adebt management plan (“DMP”) she entered into with them. The complaint has been brought to this service by a claims management company (“CMC”). But for simplicity I shall re... (2 pages)View decision -
Decision Reference DRN4257330
28 Jun 2013 Black Horse Limited Not upheldBanking and creditMs D complains that Black Horse Limited sold her debt from a credit agreement on to a third party, when she was maintaining an agreed repayment plan.backgroundMs D took out a credit agreement with Black Horse (then Lloyds Bowmaker) in 1998. The money was to pay for replacement windows... (2 pages)View decision -
Decision Reference DRN-2955901
27 Aug 2021 Valour Finance Limited Not upheldConsumer CreditDRN-2955901 The complaint Miss G says Valour Finance Limited trading as Savvy.co.uk (“Savvy”) irresponsibly lent to her. What happened Savvy provided the following loan to Miss G: Date Taken Date Repaid Monthly instalments Amount Monthly repayment 29/06/2017 Outstanding 18 £1,750.0 0 £194.... (5 pages)View decision