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 70502 results
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Decision Reference DRN-4771068
7 May 2024 Loans 2 Go Limited Not upheldConsumer CreditDRN-4771068 The complaint Miss S complains that Loans 2 Go Limited (“L2G”) irresponsibly agreed a loan for her. Miss S has brought her complaint to us via a representative but I will refer to her throughout for simplicity. What happened L2G agreed a £1,000 loan for Miss S in December 2021.... (3 pages)View decision -
Decision Reference DRN0449797
15 May 2019 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Miss K’s complaint is about a payment protection insurance (PPI) policy taken out alongside a credit card with Capital One (Europe) plc (Capital One).backgroundMiss K took out a credit card with Capital One in 2002 and at the same time applied for a PPI policy. The acc... (4 pages)View decision -
Decision Reference DRN-4676561
28 Mar 2024 Prac Financial Limited Not upheldConsumer CreditDRN-4676561 The complaint Mr J complains PRAC Financial Limited wrongly reported a loan to his credit file which affected his financial standing. Mr J is represented by his father in this matter, but for ease I shall refer primarily to Mr J as it is his complaint. What happened I issued my... (10 pages)View decision -
Decision Reference DRN0891443
21 Aug 2015 Lloyds Bank PLC UpheldPayment protection insurance (PPI)Mr A’s complaint is about a payment protection insurance (PPI) policy sold to him by Lloyds Bank PLC.Mr A’s main complaint is that he says Lloyds’ actions caused him to lose the opportunity to “short-settle” his credit card account for £3,300. Lloyds later sold th... (7 pages)View decision -
Decision Reference DRN-2435841
31 Dec 2020 Gain Credit LLC Not upheldConsumer CreditDRN-2435841 The complaint Mrs T complains that Gain Credit LLC, trading as Lending Stream, lent to her irresponsibly. Mrs T also complains that six late payments and a default appeared on her credit file which she says ought not to be there. What happened Mrs T applied for a £600 loan fro... (2 pages)View decision -
Decision Reference DRN6064431
12 Nov 2013 Lloyds Bank PLC Not upheldBanking and creditMs H complains that Lloyds Bank Plc (previously Lloyds TSB Bank Plc):-failed to offer reasonable assistance when she asked it for help with her financial position;-continued to allow payments to go out of her account after she had moved her banking elsewhere; and- did not keep her prop... (3 pages)View decision -
Decision Reference DRN0220635
8 Sep 2015 Barclays Bank Plc UpheldPayment protection insurance (PPI)Mr U and Mrs B complained that they were mis-sold payment protection insurance (PPI) with a number of loans with Barclays Bank Plc (Barclays).background Barclays agreed that Mr U and Mrs B had been mis-sold PPI and made them an offer on three of the loans. It made t... (3 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 DRN8805980
22 Nov 2018 Cabot Credit Management Group Limited Not upheldBanking and creditMr E complains that Cabot Credit Management Group Limited didn’t deal correctly with a debt it bought from another business. backgroundMr E had a credit card account with a business I will call N. This was opened in February 2017 and closed in December 2017. Cabot says... (3 pages)View decision -
Decision Reference DRN-1126133
17 Apr 2020 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-1126133The complaintMrs C complains that Barclays Bank UK Plc (T/A Barclaycard) sold her outstanding credit card balance to a third party. She’s also unhappy adverse credit information has been recorded on her credit file. What happenedIn January 2010 Mrs C applied for a Barclaycard on... (3 pages)View decision
