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
-
Decision Reference DRN-3084584
4 Oct 2021 Creation Consumer Finance Ltd UpheldConsumer CreditDRN-3084584 The complaint Miss L complains that Creation Consumer Finance Ltd (CCFL) were irresponsible in approving her loan application for £9,900. What happened On 5 January 2018 CCFL approved Miss L’s online loan application. She was given a loan for £9,900 over a 60-month term at 14.9... (4 pages)View decision -
Decision Reference DRN7112365
31 Jan 2014 Barclays Bank Plc UpheldBanking and creditMrs H complains that Barclays Bank Plc is holding her sister, Mrs G, responsible for debts from a loan, a credit card account and overdrawn funds on a current account. She says that Barclays mis-sold the loan as Mrs G lacked mental capacity to know what she was doing. She also says tha... (4 pages)View decision -
Decision Reference DRN9402615
17 Jul 2018 National Westminster Bank Plc Not upheldBanking and creditMrs C complains about National Westminster Bank Plc (“NatWest”) for the way it has reported her debt management plan on her credit file. She wants NatWest to remove reference to late payments from her credit file. backgroundMrs C has been a customer of NatWest fo... (2 pages)View decision -
Decision Reference DRN7295973
25 Feb 2015 National Westminster Bank Plc Not upheldBanking and creditMr B has complained as the director of a limited company, which I shall refer to as “Y”, about the actions of National Westminster Bank Plc (“the bank”).In particular, Y is unhappy that:- The bank charged it for a security review. Excessive interest and charges were applied to its ac... (2 pages)View decision -
Decision Reference DRN-3397348
16 Jun 2022 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3397348 The complaint Ms A is unhappy that Bank of Scotland plc trading as Halifax (“Halifax”) put a marker on her credit file which has meant she is unable to obtain credit from other banks. She is also unhappy about the letters she’s been sent and fees applied to her account whilst s... (2 pages)View decision -
Decision Reference DRN-3011570
15 Sep 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3011570 The complaint Mrs F complains that NewDay Ltd trading as Debenhams unfairly registered a default on her credit file. What happened Mrs F says she left the United Kingdom (UK) in or around July 2018 and repaid her Debenhams credit card account. She says on her return to the UK s... (2 pages)View decision -
Decision Reference DRN-2058970
24 Aug 2020 Resolvecall Not upheldBanking and PaymentsDRN-2058970The complaintMr R complains about what happened when he had a visit at his home from Resolvecall.What happenedResolvecall has been hired by a debt collection agent to get in touch with a customer and link him up with the bank he owes a credit card debt to. In June 2018, Resolvec... (2 pages)View decision -
Decision Reference DRN-5470778
24 Apr 2025 Lendable Ltd Not upheldConsumer CreditDRN-5470778 The complaint Mr M, through a representative, says Lendable Ltd irresponsibly lent to him. What happened Mr M took out a 48-month instalment loan for £4,535 from Lendable on 29 December 2022. The monthly repayments were £191.43 and the total repayable was £9,173.79. All repa... (3 pages)View decision -
Decision Reference DRN-1374198
8 May 2020 The Co-operative Bank Plc Not upheldBanking and PaymentsDRN-1374198 The complaintMiss H complains that The Co-operative Bank plc( Co-op) unfairly registered a default on her credit file. What happenedMiss H says Co-op registered a default on her credit file in 2016 when she had told it about her financial problems and that she had approached a ... (2 pages)View decision -
Decision Reference DRN-3293542
18 Mar 2022 Zopa Limited UpheldConsumer CreditDRN-3293542 The complaint Mr M complains about Zopa Limited’s (“Zopa”) role in facilitating a finance agreement between him and a third party. What happened I set out what happened leading up to and in the course of Mr M’s complaint in my provisional decision, which I issued earlier this y... (7 pages)View decision