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-4603503
6 Feb 2024 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-4603503 The complaint Mr B complains that Tesco Personal Finance PLC trading as Tesco Bank (Tesco) lent to him irresponsibly. What happened Mr B applied for a credit card from Tesco in February 2019, and it was agreed with a limit of £250. Mr B then asked for two increases in limit, ... (4 pages)View decision -
Decision Reference DRN4082285
7 Feb 2020 Everyday Lending Limited UpheldBanking and creditMiss T has complained about a personal loan Everyday Lending Limited, trading as Everyday Loans, provided to her. She says Everyday Loans acted irresponsibly in lending to her because of the financial situation she was in at the time.backgroundEveryday Loans provided Miss T with a loan for... (3 pages)View decision -
Decision Reference DRN-4875588
24 Jul 2024 FUND OURSELVES LIMITED Not upheldConsumer CreditDRN-4875588 The complaint Mr W complains that FUND OURSELVES LIMITED (FOL) didn’t inform him that his debt had been passed on to an external debt collector. What happened In November 2020, Mr W entered into a fixed sum loan agreement with FOL. The loan was for £150 repayable over 95 da... (2 pages)View decision -
Decision Reference DRN5957726
15 Nov 2019 Bank of Ireland (UK) Plc Not upheldBanking and creditMr M complains that Bank of Ireland (UK) Plc won’t accept that it is bound by his Individual Voluntary Arrangement (“IVA”) and is pursuing him for the mortgage shortfall following the sale of a property. Mr M wants BOI to accept that it is bound by the IVA, update his credit file and pay h... (3 pages)View decision -
Decision Reference DRN1292863
6 Dec 2016 Gregory Pennington Limited Not upheldBanking and creditMr and Mrs C, represented by a claims management company (CMC), complain that the debt management plan (DMP) Gregory Pennington Limited (the business) advised them to enter into was not the most suitable debt solution. They also complain that the business did not tell... (2 pages)View decision -
Decision Reference DRN2679877
5 Mar 2015 Barclays Bank Plc Not upheldBanking and creditMr A complains about the way that Barclays Bank Plc has dealt with his account and that the bank has ended up holding him liable for a debt on the account that he says he should not be responsible for.backgroundIn September 2012, a cheque was deposited into Mr A’s account that subsequ... (2 pages)View decision -
Decision Reference DRN-4421808
26 Oct 2023 First Central Insurance Management Limited UpheldInsuranceDRN-4421808 The complaint Mr M has complained that First Central Insurance Management Limited is pursuing him for a debt for a car insurance policy Mr M says he didn’t set up. He is unhappy that First Central acknowledges two other policies were set up fraudulently, but not a third policy.... (4 pages)View decision -
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
