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 DRN1210313
1 Apr 2016 The Royal Bank of Scotland Plc Not upheldBanking and creditMr O complained that The Royal Bank of Scotland Plc (RBS) didn’t pay him all his money when it closed his accounts.backgroundMr O had three accounts with RBS. One was a current account, and two were savings accounts. In 2006, Mr O’s current account was in debt by j... (2 pages)View decision -
Decision Reference DRN-3407957
7 Jun 2023 Home Retail Group Card Services Limited Not upheldConsumer CreditDRN-3407957 The complaint Mrs W complains that Home Retail Group Card Services Limited (trading as Argos Financial Services) reported missed payments on her credit file. What happened Mrs W had a catalogue shopping account with Argos. In August 2015 Mrs W entered a debt management plan wit... (2 pages)View decision -
Decision Reference DRN0696160
4 Jul 2016 Pentagon (UK) Limited Not upheldBanking and creditMr and Mrs G complain about a debt management plan they entered into with Pentagon (UK) Limited. At the time of taking out the plan they’d received solicitor’s letters threatening court action and say they were told by the Pentagon agent that the court action c... (5 pages)View decision -
Decision Reference DRN-3020876
29 Jun 2022 UK Credit Limited UpheldConsumer CreditDRN-3020876 The complaint Mr C complained that UK Credit Limited lent to him irresponsibly and provided him with unaffordable lending. What happened UK Credit provided a loan to Mr C as follows: Date Amount Term Monthly repayment Total amount payable August 2017 £10,000 60 months £339.06 ... (5 pages)View decision -
Decision Reference DRN-4036463
3 Oct 2023 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4036463 The complaint Ms D complains Lloyds Bank PLC (Lloyds) unfairly closed her credit card account. What happened Ms D held a credit card account with Lloyds for some years. Around November 2020, Lloyds considered the account to be in persistent debt. Over the next couple... (3 pages)View decision -
Decision Reference DRN7143086
29 Dec 2014 Legal & General Partnership Services Limited Not upheldBanking and creditMr C and Miss D complain that they were mis-sold mortgages, on two occasions, by an appointed representative of Legal & General Partnership Services Limited (“L & G”).backgroundIn 2006 L & G recommended that Mr C and Miss D remortgage. They took a tracker interest rate for t... (2 pages)View decision -
Decision Reference DRN-5052338
1 Oct 2024 Lloyds Bank PLC UpheldConsumer CreditDRN-5052338 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 took out a loan for £1,000 in August 2023. She says the lending was ... (3 pages)View decision -
Decision Reference DRN1237549
20 Sep 2017 Lending Stream Llc UpheldBanking and creditMr H complains that Lending Stream LLC, (“LSL”), is unfairly pursuing him for a debt he has already paid it. backgroundMr H had three outstanding loans with LSL between August 2013 and May 2015. When he suffered financial difficulties, he made sporadic repayments to L... (2 pages)View decision -
Decision Reference DRN4901120
26 Nov 2019 Arrow Global Limited Not upheldBanking and creditMiss H complains that Arrow Global Limited (Arrow) should’ve registered a default on her credit file in March 2012 rather than September 2013 as they’ve now decided. She would like them to backdate the default to March 2012, remove it from the credit file and mark the debt as settled. back... (3 pages)View decision -
Decision Reference DRN-2643012
26 Mar 2021 Secure Trust Bank Plc Not upheldConsumer CreditDRN-2643012 The complaint Mr C complains about the outstanding debt on his account with Secure Trust Bank plc, trading as Moneyway, relating to a car that was supplied to him under a hire purchase agreement. Mr C’s mother is helping him with his complaint. What happened A used car was supp... (3 pages)View decision
