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 70370 results
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Decision Reference DRN9094339
1 Nov 2017 Lowell Financial Ltd UpheldBanking and creditMiss L complains that Lowell Financial Ltd didn’t send her written confirmation that she’d cleared a debt - despite it promising to do so. She said this caused her worry and stress. She wants compensation.backgroundMiss L tells us she finished paying a debt to Lowe... (2 pages)View decision -
Decision Reference DRN6108144
28 Oct 2014 Harrington Brooks (Accountants) Limited UpheldBanking and creditMr and Mrs D have complained that their debt management plan with Harrington Brooks (Accountants) Limited was unsuitable and not properly explained to them, and has adversely affected their credit rating.backgroundMr and Mrs D entered into a debt management plan with Harrington Brooks,... (2 pages)View decision -
Decision Reference DRN6025982
25 May 2016 Vanquis Bank Limited UpheldBanking and creditMr V complains that Vanquis Bank Limited (“Vanquis”) has not treated him fairly in that it incorrectly debited his credit card account twice, putting him well in excess of his credit limit. He would like Vanquis to write off the debt and close the account. backgro... (2 pages)View decision -
Decision Reference DRN-4791842
17 May 2024 Fairscore Ltd UpheldConsumer CreditDRN-4791842 The complaint Miss P complains that Fairscore Ltd trading as Updraft lent irresponsibly when it approved three loans within a short period of time. What happened In April 2022 Miss P applied for a loan of £10,000 with Updraft for debt consolidation purposes. In the application,... (3 pages)View decision -
Decision Reference DRN7559973
12 Jun 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs C complain that Legal & General Partnership Services Limited (L&G) wrongly advised them to consolidate their credit card debt with their new mortgage when they were re-mortgaging their house.backgroundMr and Mrs C are represented by a claims management... (2 pages)View decision -
Decision Reference DRN0952468
28 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMr V complains that NEO Media Solutions Limited (trading as One Debt Solution): has not done what it promised when he entered into a debt management agreement with it; has not passed on to his creditors the money he paid it; and has refused to refund to him what he has paid it.back... (2 pages)View decision -
Decision Reference DRN4554548
9 Jan 2018 Lloyds Bank PLC Not upheldBanking and creditMrs A complains that Lloyds Bank PLC placed a default on her credit file following an unpaid balance on a joint account she held with her former husband. backgroundMr A became insolvent and Lloyds removed him from the joint current account with Mrs A and began to clos... (2 pages)View decision -
Decision Reference DRN0534022
10 Dec 2018 Ulster Bank Ltd Not upheldBanking and creditMiss A complains that in 2014 Ulster Bank Ltd reported a default to a credit reference agency in relation to her student account. backgroundIn 2010, Miss A opened a student account with Ulster Bank. She used the account until November 2012. The last credit to the ... (3 pages)View decision -
Decision Reference DRN-3046382
15 Sep 2021 Allied International Credit (UK) Ltd UpheldConsumer CreditDRN-3046382 The complaint Mr and Mrs B complain about incorrect information and poor service from Allied International Credit (UK) Ltd (Allied) in relation to a loan account it administers for another business. What happened The background to this complaint and my initial conclusions were ... (3 pages)View decision -
Decision Reference DRN9804213
30 Jan 2015 Barclays Bank Plc Not upheldBanking and creditMrs and Mr W complain that Barclays Bank Plc delayed setting up a Resolve loan and about its handling of matters.background Mrs and Mr W originally agreed with Barclays to take out a Resolve loan to consolidate their existing debt with the bank. But it was not set up straight away due t... (3 pages)View decision
