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 70341 results
-
Decision Reference DRN-4183093
14 Jun 2023 Santander UK Plc Not upheldBanking and PaymentsDRN-4183093 The complaint Mr G complains that Santander UK Plc unfairly recorded a default on his credit file. What happened Mr G says he was unwell and advised to write to his creditors to request they write off his debts. He says he asked Santander to write off his account balance which ... (2 pages)View decision -
Decision Reference DRN1309239
21 Dec 2016 HFC Bank Limited Not upheldPayment protection insurance (PPI)Mr S’s complaint is that HFC Bank Limited (“HFC”) mis-sold him payment protection insurance (“PPI”) with a series of loans taken out between 2004 and 2007.backgroundHFC upheld Mr S’s complaint and made him an offer which was worked out following the same way we wou... (2 pages)View decision -
Decision Reference DRN3058563
29 Sep 2017 Nemo Personal Finance Limited Not upheldBanking and creditMr and Mrs J complain that Nemo Personal Finance Limited isn’t treating them fairly when they’re in financial difficulties. They want Nemo to accept their repayment plan to pay an extra £50 each month towards the arrears.background Mr and Mrs J have a secured loan wi... (4 pages)View decision -
Decision Reference DRN0104963
22 Mar 2017 Ulster Bank Ltd Not upheldBanking and creditMr L complains that Ulster Bank Ltd refused to accept an offer of £21,000 in full and final settlement of a debt he has with them. He is also unhappy that they haven’t provided him with the original loan agreement and he questions the validity of charges Ulster ... (2 pages)View decision -
Decision Reference DRN-4611065
21 Feb 2024 Conister Finance & Leasing Ltd Not upheldBanking and PaymentsDRN-4611065 The complaint A limited company, which I’ll call R, complains that Conister Finance & Leasing Ltd mis-sold it a bounce back loan (“BBL”) and unfairly usedc part of the proceeds to repay other debts. R is represented by its director, Mr H. What happened Conister told us: M... (3 pages)View decision -
Decision Reference DRN-3334415
12 Apr 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3334415 The complaint Mr S complained that Everyday Lending Limited trading as Everyday Loans lent to him irresponsibly and provided a loan that was unaffordable. What happened Mr S took out a loan with Everyday Loans as follows: Date taken Loan amount Term Monthly repayment Loan statu... (4 pages)View decision -
Decision Reference DRN-2743373
9 Apr 2021 Skyfire Insurance Company Limited UpheldInsuranceDRN-2743373 The complaint Mr R complains Skyfire Insurance Company Limited unfairly increased the premium on his motor insurance policy when he moved to a new house, and that they took too long to tell him why the premium had increased so significantly. What happened Mr R renewed his motor... (5 pages)View decision -
Decision Reference DRN-3088268
2 Nov 2021 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-3088268 The complaint Mr H complains Royal Bank of Scotland Plc closed several accounts in his name and unfairly reported them as defaulted. What happened The background facts of this complaint were explained by the investigator who issued their view on Mr H’s complaint. I find no need... (4 pages)View decision -
Decision Reference DRN-2940109
23 Jul 2021 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-2940109 The complaint Mr G complains that Bank of Scotland (trading as Halifax) sent him a letter regarding persistent debt. He’s also unhappy that Halifax didn’t respond in a timely manner to his data subject access request (DSAR) and that it referred to his concerns as feedback. What... (4 pages)View decision -
Decision Reference DRN-3958469
24 Mar 2023 Tandem Home Loans Ltd UpheldMortgagesDRN-3958469 The complaint Mr L complains that Tandem Home Loans Ltd (“Tandem”) lent to him irresponsibly as he had a significant gambling problem and numerous debts at the time he took out his secured loan. Mr L took the loan out with 1st Stop Home Loans Limited, which subsequently became ... (8 pages)View decision
