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 DRN9515129
6 May 2014 Firstplus Financial Group Plc Not upheldBanking and creditMr and Mrs F complain that their secured loan with Firstplus Financial Group Plc (Firstplus) was unsuitable to their circumstances because it extended beyond state retirement age.backgroundMr and Mrs F took out a secured loan for £60,000 over a term of 168 months with Firstplus through... (2 pages)View decision -
Decision Reference DRN1254260
7 Feb 2019 Gregory Pennington Limited Not upheldBanking and creditMr and Mrs K complain about the advice they received from Gregory Pennington Limited (“GPL”) in relation to their debt management plan.backgroundMr and Mrs K say they had a debt management plan (“DMP”) with GPL between 2004 and 2012. They say they asked about an i... (2 pages)View decision -
Decision Reference DRN-3450189
26 Apr 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3450189 The complaint Mr M has complained that Everyday Lending Limited trading as Everyday Loans (“EDL”) was irresponsible to have agreed credit for him. Mr M has brought his complaint to us via a representative. For simplicity, I will refer to him throughout. What happened EDL provid... (3 pages)View decision -
Decision Reference DRN5020870
16 Dec 2015 Lowell Portfolio I Ltd UpheldBanking and creditMr S has complained Lowell Portfolio I Ltd won’t update his credit record even though they’ve agreed to write off his debt.backgroundMr S had two credit card debts which Lowell took over. Lowell decided not to pursue Mr S for the money outstanding but defaults ... (1 page)View decision -
Decision Reference DRN-2783340
27 Apr 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2783340 The complaint Miss L complains that Barclays Bank UK PLC, trading as Barclaycard, failed to apply her credit card repayments to her account for several years, leaving her with an enormous bill to pay, and about related issues. What happened Miss L has a credit card account with... (4 pages)View decision -
Decision Reference DRN9452119
22 May 2014 HFC Bank Limited Not upheldBanking and creditMr D says HFC Bank Limited unfairly applied charges to his credit card account with it. He is concerned about its response to him during a period of illness and financial difficulty. In particular, he complains about a collection charge it added to the debt. backgroundMr D became ser... (2 pages)View decision -
Decision Reference DRN1350628
17 Nov 2016 Debt Management Associates Limited Not upheldBanking and creditMiss H complains that Debt Management Associates Limited, trading as Money Village, sold her a debt management plan that wasn’t appropriate for her and it didn’t manage the plan properly. She says she’d have been better off going bankrupt.backgroundMiss H started... (2 pages)View decision -
Decision Reference DRN3678002
11 Apr 2016 HSBC Bank plc Not upheldPayment protection insurance (PPI)Miss J has complained that HSBC Bank Plc mis-sold her a payment protection insurance (PPI) policy. backgroundIn January 2003 Miss J took out a credit card with HSBC. She was sold a PPI policy at the same time. HSBC upheld Miss J’s mis-sale complaint and offered £1,436.... (2 pages)View decision -
Decision Reference DRN6647032
20 Jun 2013 HSBC Bank plc Not upheldBanking and creditMr K complains that HSBC Bank Plc transferred money in his personal current account in part repayment of a large debt which had arisen on his business account. The bank agreed to transfer the money back but Mr K also complains that the bank is wrong to continue to hold him responsible fo... (2 pages)View decision -
Decision Reference DRN4240787
16 Jan 2015 Motormile Finance UK Limited Not upheldBanking and creditMr G complains that Motormile Finance UK Limited are pursuing and harassing him for a debt which it has not proved that he owes.backgroundIn summary, Mr G says that Motormile is constantly texting and calling him. He says that it has not proved he is liable for the debt and he wants c... (2 pages)View decision