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 DRN1261536
8 Apr 2014 Churchwood Financial Limited Not upheldBanking and creditMr B complains about a debt management plan he had with Churchwood Financial Limited. He is unhappy about the way the plan has been administered and believes Churchwood has failed to keep him updated on the progress of the plan and failed to make payments to his creditors. He is also u... (2 pages)View decision -
Decision Reference DRN6628872
7 Feb 2017 PayPal Sarl & Cie, SCA Not upheldBanking and creditMr C complains that PayPal Sarl & Cie, SCA unfairly prevented him from making payment to his account and is wrongly holding him liable for the debt on another account. backgroundMr C says that he received notification from PayPal that his account had been restrict... (2 pages)View decision -
Decision Reference DRN-3020876
29 Jun 2022 UK Credit Limited UpheldConsumer CreditDRN-3020876 The complaint Mr C complained that UK Credit Limited lent to him irresponsibly and provided him with unaffordable lending. What happened UK Credit provided a loan to Mr C as follows: Date Amount Term Monthly repayment Total amount payable August 2017 £10,000 60 months £339.06 ... (5 pages)View decision -
Decision Reference DRN3358736
11 Mar 2018 Lendable Ltd Not upheldBanking and creditMr J complains that Lendable Ltd (Lendable) irresponsibly provided him with a loan without making satisfactory checks that he could afford to repay it.backgroundMr J took out a fixed sum loan with Lendable in January 2017. The loan was for £15,000 and the total sum payabl... (3 pages)View decision -
Decision Reference DRN1210970
24 May 2018 Acenden Limited Not upheldBanking and creditMr and Mrs A complain about charges which they say were wrongly applied to their secured loan account. The lender has appointed Acenden Limited to administer the loan and authorised it to respond on its behalf. Mr and Mrs A ask that the charges are refunded so that... (4 pages)View decision -
Decision Reference DRN8357268
19 Dec 2019 NRAM Limited Not upheldBanking and creditMr and Mrs W complained about NRAM Limited. Their property was possessed in April 2007 and later sold. They say NRAM didn’t tell them that there wasn’t enough money to pay off their mortgage until October 2018. Mr and Mrs W believe this means they aren’t liable for the debt, and they want... (3 pages)View decision -
Decision Reference DRN2633820
20 Nov 2014 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs B complain that that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L & G”).backgroundMr B had a mortgage, on a fixed rate. In 2008, towards the end of the fixed rate period, L & G advised him a... (2 pages)View decision -
Decision Reference DRN4077996
4 Feb 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr D and Ms E complain that the mortgage recommended to them by Legal & General Partnership Services Limited (L&G) was unsuitable.backgroundMr D and Ms E received advice on a re-mortgage in 2005 from a representative of L&G and this included a recommendation to consolidate ... (2 pages)View decision -
Decision Reference DRN8373770
15 Oct 2018 Ulster Bank Ltd Not upheldBanking and creditMr and Mrs H are unhappy that Ulster Bank Ltd has recovered money owing to it through court enforcement action after saying it wouldn’t pursue the debt.backgroundMr and Mrs H say that in 2016 Ulster Bank confirmed in letter that although they remained liable for money ... (3 pages)View decision -
Decision Reference DRN-3776078
12 May 2022 Barclays Bank Plc UpheldBanking and PaymentsThe complaint O, a limited company, complains that it was mis-sold a charge card and a credit card by Barclays Bank Plc (trading as Barclaycard). What happened In June 2018 O opened a charge card account with Barclaycard with a limit of £20,000. O says it believed this was a credit card ac... (3 pages)View decision
