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 74365 results
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Decision Reference DRN2141618
20 Jul 2016 Idem Capital Securities Limited Not upheldBanking and creditMiss M wants Idem Capital Securities Limited to correct her credit file, and compensate her for the trouble and upset its inaccurate information has caused.backgroundIdem bought Miss M’s debt from a third party in March 2012. There was a formal repayment arrangeme... (2 pages)View decision -
Decision Reference DRN9376459
29 Oct 2013 Clydesdale Bank Plc Not upheldBanking and creditMr and Mrs B complain on behalf of their limited company, C, and also as individuals who provided their personal guarantees and home as security for borrowing by C. They complain that Clydesdale Bank Plc (trading as Yorkshire Bank) has created a situation in which their personal lia... (3 pages)View decision -
Decision Reference DRN-3791993
24 Mar 2023 Step One Finance Limited UpheldMortgagesDRN-3791993 The complaint Mrs F complains about a secured loan which was taken out fraudulently in her name with Step One Finance Limited. She says Step One shouldn’t have granted the loan as it didn’t do proper checks on the application, and it gave her false and misleading information wh... (3 pages)View decision -
Decision Reference DRN4984973
12 Dec 2017 Kapama Limited UpheldBanking and creditMr A complains about the amount of money that Kapama Limited is asking him to pay. He also wants the debt to be removed from his credit file.backgroundIn 2012 Mr A took out a running account credit agreement with a limit of £1,500. He borrowed £100. Shortly after bo... (2 pages)View decision -
Decision Reference DRN-4395632
12 Oct 2023 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-4395632 The complaint Mrs M complains that Tesco Personal Finance PLC (Tesco Bank) was irresponsible in its lending to her. What happened Mrs M was provided with two loans by Tesco Bank. The first loan was provided in 2015 and a further loan was provided in August 2018. Based on the ti... (4 pages)View decision -
Decision Reference DRN-3293542
18 Mar 2022 Zopa Limited UpheldConsumer CreditDRN-3293542 The complaint Mr M complains about Zopa Limited’s (“Zopa”) role in facilitating a finance agreement between him and a third party. What happened I set out what happened leading up to and in the course of Mr M’s complaint in my provisional decision, which I issued earlier this y... (7 pages)View decision -
Decision Reference DRN8437970
12 Dec 2019 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr A doesn’t think it’s fair for The Royal Bank of Scotland Plc (RBS) to use the payment protection insurance (PPI) compensation offers it’s made to him to reduce the debt which remained unpaid when his protected trust deed came to an end.backgroundI issued my provisional decision on 6 Nov... (5 pages)View decision -
Decision Reference DRN8380058
15 Dec 2015 Lloyds Bank PLC Not upheldBanking and creditMr O has complained about irresponsible lending by Lloyds Bank PLC (Lloyds).backgroundIn 2005, Mr O opened an account with Lloyds. It offered him a credit card with a limit of £500, which he accepted. His spending on the credit card then exceeded the limit and he ran ... (2 pages)View decision -
Decision Reference DRN7734708
31 Mar 2016 Black Horse Limited Not upheldBanking and creditMs J complains that Black Horse Limited, (“BHL”), had provided her debt management company with incorrect information which ultimately resulted in a default being incorrectly applied to her credit file. backgroundMs J had taken a fixed sum loan with BHL in December ... (3 pages)View decision -
Decision Reference DRN-1819545
13 Jul 2020 Cabot Credit Management Group Limited Not upheldBanking and PaymentsDRN-1819545 The complaintMr S is unhappy about Cabot Credit Management Group Ltd (Cabot) pursuing him for a debt previously held with a bank, that he disputes is his. He is also unhappy about the delay Cabot took in responding to his request under the Consumer Credit Act. What happenedIn ... (3 pages)View decision
