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 77095 results
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Decision Reference DRN5538059
28 Jul 2015 Lloyds Bank PLC Not upheldBanking and creditMr L complains that Lloyds Bank plc recorded a default on his credit file without warning him, and while he was disputing the debt outstanding.backgroundIn March 2012 Lloyds wrote to Mr L, explaining that it had decided to close his accounts. It gave him two months’... (2 pages)View decision -
Decision Reference DRN-4644526
11 Mar 2024 United Trust Bank Limited Not upheldMortgagesDRN-4644526 The complaint Mr F and Miss H complain that United Trust Bank Limited (UTB) irresponsibly lent them a second charge mortgage (secured loan) that was unaffordable and caused them further financial difficulties. Mr F and Miss H have also brought a complaint against the broker tha... (5 pages)View decision -
Decision Reference DRN6810062
27 Feb 2014 Lowell Portfolio I Ltd Not upheldBanking and creditMrs E complains that Lowell Portfolio I Ltd has pursued her for a debt which she does not owe. backgroundLowell Portfolio acquired the disputed debt from a third party lender. It pursued Mrs E for repayment of the debt. Its recovery action included an application for a bankruptcy petit... (1 page)View decision -
Decision Reference DRN9988448
28 Nov 2013 The Royal Bank of Scotland Plc Not upheldBanking and creditMr M and Mr N complain that The Royal Bank of Scotland Plc forced them to take personal responsibility for a loan that was for the benefit of another company and should have been transferred to that company. They want the bank to write off that element of their current debts.backgroun... (2 pages)View decision -
Decision Reference DRN5473539
14 Aug 2014 HSBC Bank plc Not upheldBanking and creditMrs A has dissolved a former business partnership and complains that HSBC Bank Plc is still pursuing her for repayment of all partnership borrowing. backgroundIn April 2013 Mrs A told her business partner that she wanted to dissolve their partnership and a deed was signed to do this, ba... (2 pages)View decision -
Decision Reference DRN-4489867
4 Dec 2023 Madison CF UK Limited UpheldConsumer CreditDRN-4489867 The complaint Mr S, through a representative, says Madison CF UK Limited, trading as 118 118 Money, irresponsibly lent to him. What happened Mr S took out two loans from 118 118 Money. As both parties have now agreed, this service can only consider the second loan under the rul... (3 pages)View decision -
Decision Reference DRN2368703
30 Jan 2015 Lowell Financial Ltd Not upheldBanking and creditMr H complains that Lowell Financial Ltd is chasing him for a debt that he disputes and that it has not removed the default from his credit file.backgroundIn 2004, Mr H says that his wife entered into a credit agreement to buy furniture. He says that he set up a direct debit to make the p... (2 pages)View decision -
Decision Reference DRN4036739
8 May 2019 Retail Money Market Ltd UpheldBanking and creditMr M complains that Retail Money Market Limited, trading as RateSetter, (“RMM”), didn’tcarry out adequate affordability checks before he received a loan he couldn’t afford to repay.Mr M also complains that RMM wrongly pursued him for debt after it had been told he ... (6 pages)View decision -
Decision Reference DRN-4601768
5 Feb 2024 Chetwood Financial Limited UpheldConsumer CreditDRN-4601768 The complaint Mr S complains that Chetwood Financial Limited irresponsibly agreed loans for him. What happened Chetwood agreed two loans for Mr S, both on 11 July 2022. The first was agreed under its trading name BetterBorrow and the second under the name LiveLend. I’ve summari... (4 pages)View decision -
Decision Reference DRN-4679350
2 Apr 2024 United Kash Limited Not upheldConsumer CreditDRN-4679350 The complaint Mr G complains that United Kash Limited (“UKL”) declined his offer of payment and attempted to pressure him into an unaffordable payment plan. He’s also unhappy because his credit score has been affected. What happened Mr G took out a loan with a third party compa... (3 pages)View decision