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 DRN3420236
23 Apr 2013 HSBC Bank plc Not upheldBanking and creditMr G complains about the way HSBC Bank Plc has treated him in relation to the debt on his business account, following his being unable to work due to serious illness. In particular, Mr G says that HSBC failed to keep to repayment agreements made with him by the branch staff.background M... (2 pages)View decision -
Decision Reference DRN-4766138
8 Jul 2024 American Express Services Europe Limited (AESEL) Not upheldBanking and PaymentsDRN-4766138 The complaint Mr J complains that he was mis-sold a credit card by American Express Services Europe Limited (AESEL). He’s also unhappy that his request for a credit limit increase was declined. What happened In February 2023 Mr J applied for a British Airways American Express A... (3 pages)View decision -
Decision Reference DRN-3304510
27 Mar 2022 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-3304510 The complaint Mr E complains about the interest applied to a settlement balance of a hire purchase agreement with BMW Financial Services (GB) Limited (“BMW”). What happened In March 2017 Mr E acquired a new car through a hire purchase of agreement with BMW. The purchase price o... (3 pages)View decision -
Decision Reference DRN4314018
8 Jul 2014 Barclays Bank Plc Not upheldBanking and creditB, a limited company, complains that Barclays Bank plc mistakenly told it that its overdraft debt had been written-off. Although the bank subsequently realised its error and clarified the position, which was that it had not been, B says that it should honour the write-off.background B ... (2 pages)View decision -
Decision Reference DRN4236554
10 Dec 2019 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs W are unhappy with the mortgage advice they received from an appointed representative of Legal & General Partnership Services Limited (“L&G”). Mr and Mrs W are represented in bringing this complaint by a claims management company (“CMC”). backgroundMr and Mrs W remortgag... (4 pages)View decision -
Decision Reference DRN-1844004
23 Jun 2020 Avantcredit Of Uk, Llc UpheldConsumer CreditThe complaint Mr B believes AvantCredit of UK, LLC acted irresponsibly by agreeing a loan he’d applied for. What happened Mr B applied for a £3,500 loan with AvantCredit, to be repaid over 24 months at an interest rate of 25.95%. This was approved and the loan started in March 2016, with r... (3 pages)View decision -
Decision Reference DRN5919254
24 Apr 2014 Reliable Collections Limited UpheldBanking and creditMiss B complains that she has been harassed by Reliable Collections Limited in relation to a debt that she owes. She is being helped with her complaint by a debt adviser.backgroundMiss B owed a debt that was being collected by Reliable Collections. She made payments to it, the last... (2 pages)View decision -
Decision Reference DRN8087804
17 Apr 2015 First Choice Funding Limited Not upheldBanking and creditMr and Mrs G complain that First Choice Funding Limited mis-sold an interest only mortgage to them. Mr and Mrs G are represented by J, a solicitor.backgroundMr and Mrs G took out a 16 year interest only mortgage in 2007. They say the mortgage recommended by First C... (4 pages)View decision -
Decision Reference DRN9992261
27 Jul 2018 HSBC Bank plc Not upheldBanking and creditMr A complains that HSBC Bank Plc transferred his overdraft facility to a debt recovery agency unfairly.backgroundMr A opened a student account with HSBC in 2004 which had a £2,000 overdraft facility. In 2015, he found himself in financial difficulties and got in to... (2 pages)View decision -
Decision Reference DRN9408941
31 Oct 2019 Creation Consumer Finance Ltd Not upheldBanking and creditMiss H complains about the way Creation Consumer Finance Ltd handled a debt she owed them and about information they provided to credit reference agencies.backgroundMiss H took out a finance agreement with Creation in June 2018 to pay for goods she bought from a retailer.When signing up to... (2 pages)View decision
