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 71155 results
-
Decision Reference DRN9605445
26 Jan 2015 Lloyds Bank PLC Not upheldBanking and creditMr C complains that Lloyds Bank PLC (“the bank”) loaned to him irresponsibly in respect of his borrowing which comprised a credit card, an overdraft, and two personal loans.backgroundMr C held a credit card and overdraft with the bank. In August 2009 and March 2010 he also took out t... (3 pages)View decision -
Decision Reference DRN5124779
31 Mar 2014 Career Finance 4 Trade Skills Limited UpheldBanking and creditMrs O complains about a loan she took out with Career Finance 4 Trade Skills Limited (‘CF4TS’). She says the loan was unaffordable and that she was put under considerable pressure from a debt collection agent to make payments. backgroundMrs O took out the loan in September 2011 to pay f... (4 pages)View decision -
Decision Reference DRN-3334539
4 Apr 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3334539 The complaint Mr C complains about Barclays Bank UK PLC trading as Barclaycard and their decision to suspend and then close his account. What happened Mr C held a credit card account provided by Barclays with a £2,000 credit limit. In September 2019, Barclays wrote to Mr C expl... (3 pages)View decision -
Decision Reference DRN1013571
30 Apr 2019 Link Financial Outsourcing Limited Not upheldBanking and creditMiss C complains that Link Financial Outsourcing Limited didn’t contact her after taking over her debt with another company. Miss C also says Link recorded a default on her credit file incorrectly. backgroundMiss C had a credit card account with another business th... (2 pages)View decision -
Decision Reference DRN-2831555
9 Aug 2021 Oakbrook Finance Limited Not upheldConsumer CreditDRN-2831555 The complaint Miss B complains that Oakbrook Finance Limited trading as Likely Loans (Likely Loans) provided lending to her which was unaffordable and irresponsible. She says that she had significant debt at the time of the lending. What happened In January 2017 Miss B applied ... (3 pages)View decision -
Decision Reference DRN7670189
23 Apr 2013 Barclays Bank Plc UpheldBanking and creditMrs H complains that she was mis-sold a loan by Barclays Bank Plc that she took out the day before her late husband’s funeral to pay off a loan he had in his sole name. backgroundMrs H visited her local branch to discuss the outstanding balance on a loan her husband took out the yea... (2 pages)View decision -
Decision Reference DRN0615332
3 Jul 2015 MKDP LLP Not upheldBanking and creditMr D complains about a default on his credit file. He wants MKDP LLP to remove it and to agree to a repayment plan he offered.background Mr D had a bank account which was overdrawn by over £450. In 2011 his bank closed the account and sold the debt to a debt c... (2 pages)View decision -
Decision Reference DRN-4282678
30 Aug 2023 Brent Shrine Credit Union Limited Not upheldConsumer CreditDRN-4282678 The complaint Mrs B complains that Brent Shrine Credit Union Limited trading as My Community Bank was irresponsible in its lending to her. What happened Mrs B was provided with a £15,000 fixed sum loan by My Community Bank in October 2022. The loan term was 60 months with month... (3 pages)View decision -
Decision Reference DRN-4460468
6 Mar 2024 Progressive Money Limited UpheldConsumer CreditDRN-4460468 The complaint Mrs J is complaining that Progressive Money Limited (PML) lent to her irresponsibly by providing her with a personal loan. What happened In April 2018, Mrs J applied for a loan with PML to consolidate her debts. They lent her £5,000 over a three-month term. The lo... (4 pages)View decision -
Decision Reference DRN9998630
22 May 2017 UKMS Money Solutions Limited Not upheldBanking and creditMr and Mrs B complain that UKMS Money Solutions Limited mis-sold them a debt management plan. They also complain that it failed to make payments to one of their debtors which led to a county court judgement (“CCJ”) against Mrs B.background Mr and Mrs B entered into ... (2 pages)View decision
