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 DRN3212369
8 Jun 2017 Clydesdale Financial Services Limited Not upheldBanking and creditMr J took out a loan with Clydesdale Financial Services Limited trading as Barclays Partner Finance (BPF) to buy a car. He’s unhappy BPF subsequently passed his account to debt collection agents and says the car was then sold without his consent. backgroundIn 2012 Mr J... (3 pages)View decision -
Decision Reference DRN-5680439
1 Oct 2025 Gain Credit LLC UpheldConsumer CreditDRN-5680439 The complaint Mr F complains that Gain Credit LLC trading as Lending Stream was irresponsible in its lending to him. His complaint is about the loan provided in October 2024. Mr F wants all interest and charges refunded along with statutory interest and to only be liable to ... (3 pages)View decision -
Decision Reference DRN6581348
22 Jan 2016 Sainsbury's Bank Plc Not upheldBanking and creditMrs B complains that Sainsbury’s Bank Plc recorded inaccurate information on her credit file. She also complains about poor customer service.backgroundMrs B had a loan and a credit card with Sainsbury’s. In 2008 she was made redundant. In January 2009 she agreed to re... (3 pages)View decision -
Decision Reference DRN3854549
20 Sep 2018 HSBC Bank plc UpheldBanking and creditMr M complains about how HSBC Bank Plc managed his credit card account in 2016 and 2017.backgroundMr M said that he’d got into some financial difficulties. He said that he’d spoken to HSBC about that in 2016, and it had agreed to freeze the interest on his credit c... (5 pages)View decision -
Decision Reference DRN-4427339
19 Feb 2024 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-4427339 The complaint Ms B says Link Financial Outsourcing Limited, trading as Asset Link Capital (No.9) (who I’ll call Link) have been unreasonable to pursue her for debts that have been written off. What happened The details of this complaint are well known to both parties, so I won’... (2 pages)View decision -
Decision Reference DRN0375368
21 Dec 2015 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Ms G complains that Lloyds Bank PLC has been chasing her for a loan to be repaid which she says was written off in 2010. Ms G wants Lloyds to confirm the loan has been cleared.backgroundMs G took out a loan in 2003 with Lloyds. At some time during the loan, Ms G bou... (2 pages)View decision -
Decision Reference DRN1750790
27 Nov 2018 Cabot Credit Management Group Limited Not upheldBanking and creditMrs B complains about a County Court Judgement (CCJ) and a charging order that Cabot Credit Management Group Limited (CCMG) has obtained in relation to a personal loan debt. backgroundMrs B had a personal loan debt with a third party lender “B” that defaulted. In 2011, ... (2 pages)View decision -
Decision Reference DRN7627468
20 Aug 2019 TSB Bank plc Not upheldBanking and creditComplaint and backgroundMrs N and Mr T first raised a complaint with our service in August 2018. This was due to the IT issues TSB faced at the end of April 2018. Mrs N and Mr T said their statements were showing incorrect amounts and this led to them going over their overdraft limit and i... (2 pages)View decision -
Decision Reference DRN-1477072
17 Apr 2020 MBNA Limited UpheldBanking and PaymentsDRN-1477072 The complaintMr C is unhappy with the way MBNA Limited (MBNA) sold and communicated the sale of his debt to another business. What happenedMr C had set up a payment plan with MBNA in 2015 for his credit card and made all payments due. MBNA say they wrote to him on 13 August 20... (2 pages)View decision -
Decision Reference DRN9299308
23 Jun 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs R complain that Legal & General Partnership Services Limited’s advice to re- mortgage and consolidate debt was unsuitable.backgroundIn 2009 Legal & General recommended a £115,500 part interest only and part repayment mortgage to Mr and Mrs R. £93,00... (3 pages)View decision