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 DRN7534432
4 Feb 2014 Lloyds Bank PLC Not upheldBanking and creditMr N complains on behalf of his mother, Miss M, that Lloyds Bank PLC has not agreed to a long-term repayment plan for the debt on her credit card account. He also says Lloyds has not taken into account Miss M’s mental health issues in pursuing the debt. He wants Lloyds to assist Miss M... (2 pages)View decision -
Decision Reference DRN-1671687
22 Apr 2020 Freemans Plc Not upheldConsumer CreditDRN-1671687 The complaintMrs T complains that Freemans Plc has sold a debt she doesn’t owe to a third party (“TP”), which is now pursuing her for it. She wants Freemans to acknowledge that no debt was owed to it. What happenedIn November 2013, Mrs T opened an account with Freemans. She bou... (2 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 DRN5796993
9 Nov 2018 National Westminster Bank Plc Not upheldBanking and creditMr and Mrs L, through their representative, complain that National Westminster Bank Plc has failed to treat them fairly because it banked a cheque they sent in to settle a debt but hasn’t accepted it as full and final settlement of the debt.backgroundNatWest has two c... (2 pages)View decision -
Decision Reference DRN6601186
19 May 2015 Santander UK Plc Not upheldBanking and creditMr D complains about the way Santander UK plc has handled his personal loan.background Mr D took out a personal loan with Santander in 2013. Not long after this, he told the bank that he was having financial difficulties. He didn’t manage to make repayments to the... (3 pages)View decision -
Decision Reference DRN-1844004
23 Jun 2020 Avantcredit Of Uk, Llc UpheldConsumer CreditThe complaint Mr B believes AvantCredit of UK, LLC acted irresponsibly by agreeing a loan he’d applied for. What happened Mr B applied for a £3,500 loan with AvantCredit, to be repaid over 24 months at an interest rate of 25.95%. This was approved and the loan started in March 2016, with r... (3 pages)View decision -
Decision Reference DRN6393917
22 Nov 2019 Lloyds Bank PLC Not upheldBanking and creditComplaintMr J complains that Lloyds Bank PLC incorrectly changed his address and date of birth which led to a drop in his credit score while he was applying for a mortgage. As a result, Mr J had to borrow funds to partially repay a credit card debt. BackgroundMr J moved home and visited Ll... (2 pages)View decision -
Decision Reference DRN2384824
27 Feb 2015 Cabot Financial (Europe) Limited Not upheldBanking and creditMr M complains Cabot Financial (Europe) Limited is pursuing him for a credit card debt, but has not provided proof the debt exists. He wants it to stop its attempts to recover the debt and pay him compensation for the distress caused. backgroundMr M sent letters to Cabot requesting... (2 pages)View decision -
Decision Reference DRN0289916
5 Jun 2013 Barclays Bank Plc Not upheldBanking and creditMiss J complains that Barclays Bank PLC gave her incorrect information. She says as a result her debt should be written off, particularly as she is in financial difficulties.our initial conclusionsThe adjudicator recommended that the complaint should be partly upheld. She said that ... (2 pages)View decision
